vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: GA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/1979 I AM REQUESTING A PROOF OF CLAIM DUE TO FRAUDULENT ACTIVITIES ON MY CREDIT FILE. I REQUEST THE FOLLOWING ACCOUNT SEND ME LEGAL DOCUMETATIONS : PORTFOLIO RECOVERY # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX. 
This is this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made several large purchases on my Chase Sapphire Reserve credit card when I moved across the country earlier this year, intending to use the My Chase Plan feature to pay some of the large purchases off over the course of a few months while saving on Interest, as their website advertises. However, the payments I made towards my credit card did not reduce my principal in the way that I had expected it to based on the advertising and disclosures provided by the bank. My understanding was that any payment made to my account beyond the minimum payment due ( which included my normal minimum payment amount, a portion of the purchase covered by the My Chase Plan payment feature, and a fee for using My Chase Plan ) would go towards the balance on my account which would be subject to interest at the time of my next billing cycle. 

My XX/XX/2021 statement showed a total statement balance of {$5300.00}, of which {$2200.00} was subject to a 3 month My Chase Plan and {$6.00} was the fee for using that feature. This left me with a minimum payment of {$800.00} and my expectation was that {$1500.00}, or 67 % of the balance subject to the My Chase Plan, would be exempt from interest the following statement cycle. Based on this understanding, I made payments to my account during the month of XXXX totalling {$3800.00}, leaving a remaining balance of {$1500.00}. However, my XX/XX/2021 statement showed {$38.00} in interest charged, significantly more than I would have believed based on the terms of the My Chase Plan. A later plan that I set up in XXXX for a 6 month repayment of a purchase totaling {$1800.00} is showing as paid off as of my XX/XX/2021 statement, despite also being charged {$65.00} in interest for the period. 

I believe the terms of the feature on this account were not clearly explained in any disclosures provided and could easily be misinterpreted by customers and is likely to lead to harm to customers with that harm outweighing the benefits of the product, and advertisements for the product do not offer clear and conspicuous terms, resulting in potential violations of UDAAP, TILA advertising, and TILA payment processing requirements. I believe I have been improperly charged interest totalling {$130.00} and fees totalling {$24.00} for an account feature that did not have the expected or advertised benefits to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I as of late sent a question letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.

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 2021-06-03 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: GA

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHERMORE I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 2021-06-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive sent in a letter XX/XX/2021 in regards of the misleading and unverifiable items on my credit report. Ive sent in several disputes, before opening up a case with cfpb. I've talk to the bureaus, the actual lenders, and yet have received any results in regards of my claims. I feel im getting token advantage of because I been having this issue for a while.

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 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I went to ACE CASH EXPRESS to send money to my daughter and son in XXXX, using XXXX XXXX 3 months ago but only my son received his money on time, I have since tried contacting XXXX about the transaction but in vain. Can you please help me to track my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Yes my name is XXXX XXXX and I had been recieveing number of text to my phone concerning help with housing. WHEN i clicked the link Lexington Law was on the line trying to make me fit a profile model to acommodiate their business model to accommidate to the type of service they provide which was suppose to be debt repair service. inital fee {$4.00}. 
Me and this guy did not even get through the exchange of information process. We kept hitting a wall he was trying to make me fit into the box they had prepared. At this point I realize what they were offering would be of no value to me. At that point I told him so and ended the call. I walked away and I thought he did the same. That was Tuesday XXXX XXXX. On Saturday XX/XX/XXXX, I took a look at my online bank account and noticed my SSI check had posted early which has never happen before early access to my funds before the first of the month. someone inside the bank was allowing direct monitoring to my account to be altered to funds posting. And there it was 2 frauduenlt charges to my bank account in the amounts of {$19.00} and another for {$120.00}. My bill money for the month of XXXX. Which I have no other income besides my SSI in the amount of {$340.00} and SSA in the amount of {$640.00}. So I responded to their email trying to reason with them to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I as of late sent a question letter to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I as of late sent a question letter to XXXX, XXXX, and Experian on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.

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 2021-06-03 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: FL

Complaint narrative:
These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts 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 explanation
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CA

Complaint narrative:
I checked my credit file with the three main bureaus : Transunion, XXXX and XXXX  and I noticed I have a lot of unauthorized fraudulent inquiries on my credit file. I did not give these companies permission to access my credit file. I filed an identity theft report with the Federal Trade Commission, I need these inquiries deleted immediately from my credit file. According to the Fair Credit Reporting Act these fraudulent accounts must be removed within five days of my request

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 2021-06-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive sent in a letter XX/XX/2021 in regards of the misleading and unverifiable items on my credit report. Ive sent in several disputes, before opening up a case with cfpb. I've talk to the bureaus, the actual lenders, and yet have received any results in regards of my claims. I feel im getting token advantage of because I been having this issue for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ive filed a dispute with Experian, on XX/XX/2021 and yet to receive any information in regards of my initial dispute. they are reporting inaccurate and misleading information on my behave causing thousands of dollars of interest every year. please help me resolve this issue as they are violating my consumer violations.

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 2021-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Sunbit, Inc.
State: NJ

Complaint narrative:
Sunbit is a financing company that approved a loan in my name with my dob, social security and address for either a motorcycle or motorcycle gear. I did not file for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm getting daily calls from nasty people claiming to be from American Express. I don't do business with American Express, never have and never will. Whatever debt they are calling about is not mine. They ask for someone named XXXX and I am not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: House Of Finance Corp.
State: CA

Complaint narrative:
the father of my child included me in an auto loan without my consent. This was around XX/XX/2016. I was not even employed at the time. Considering this I couldnt have applied for a car loan to begin with. The account is closed but it is negatively effecting my credit score. I cant pay because i dont have any money as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cornerstone Holdings, Inc.
State: LA

Complaint narrative:
I had several medical bills from XXXX XXXX XXXX get sent to a collections company called Cornerstone Credit Services in XXXX, Alaska. I was unaware of these collections and as soon as I found out I paid the collection agency with the understanding that they would be deleted and stop reporting negatively. All accounts were paid in full on XX/XX/XXXX. As of XX/XX/XXXX they are still reporting negatively with all three credit bureaus. The account informations is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$260.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$300.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$60.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$53.00} XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$330.00} There is also a collection account sent to Cornerstone credit services from XXXX XXXX XXXX. That was never my account and disputed this also. I paid cornerstone the collection amount to ensure that it would be removed from negatively reporting from my credit report. This too has not been done. Information is as follows : XXXX XXXX XXXX : Date assigned to cornerstone : XX/XX/XXXX Amount : {$760.00} It is my desire to have these items removed/deleted as promised by cornerstone when I made payments on these collections accounts.

Company response to consumer: Closed with explanation