vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. 

I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

1. XXXX XXXX  ( Double Cash Card ) ( Account : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: CA

Complaint narrative:
Transunion is in violation of FCRA 607 ( b ) accuracy of my credit file. According to FCRA 623 ( a ) ( 5 ) the companies that are furnishing adverse data on my report are, by law, required to submit " not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. '' They have/ did not. There is no date of the first delinquency on my credit profile for the below accounts. In addition, there is no payment history or terms. Yet, Transunion is in willful violation against FCRA 607 ( b ) accuracy, 611 ( 5 ) ( A ) incomplete data, and 623 ( a ) ( 1 ) ( A ) reporting with knowledge of errors allowing those companies to be listed on my credit profile are are subject to FCRA 616 and/ or 617. 

This applies to the following companies on my Transunion credit profile XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: CA

Complaint narrative:
Problems with XXXX XXXX XXXX XXXX XXXX reporting debts paid off and that sold improperly to other companies as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Hey My name is XXXX XXXX, I bank with credit karma. But a week or two ago I lost an dispute with the fdic but thats okay, the problem is my account with credit karma is frozen I have bills to pay i have {$1600.00} in this account I need that is frozen the fdic said the account would be locked but they can have the account I just need my funds a couple problems on the account I cant make changes to is a mailing address if yall were to mail a check my new address for the check would be XXXX XXXX XXXX XXXX Alabama XXXX. For my funds I would like for you guys to unfreeze it an let me transfer it off. Or mail the check to the address thats mention in this statement. I need funds off the account asap

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2023, when I checked my credit card statement, I saw {$7500.00} ( {$7200.00} transaction + {$360.00} fee ) was charged to my credit card account on XX/XX/2023 that I didn't authorize. I contacted Wells Fargo the same day to dispute this transaction. They told me that this transaction is a credit card convenient check so they sent me to their Credit card fraud claims department. I called Wells Fargo on XX/XX/2023 and provided them with my Police report and the Federal Trade Commission case number for identity theft, they didn't say anything and told me the investigation is going. But on XX/XX/2023, they sent me a mail and said that they found no evidence of fraud so I will be responsible for that transaction. They didn't provide any information to support their claim. From what I understand, someone will need to call in to request a credit card convenient check. And then a check will need to be mailed to an address. Then someone will need to physically go to a bank to cash it out or purchase something. I didn't even know about these convenient checks before this happened. Wells Fargo didn't provide any information about what happened but they said I did that. I didn't.

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 monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
When we applied for a home equity loan with our credit union we were denied because a title search showed we had a Texas XXXX XXXX XXXX XXXX XXXX done in XXXX. What we actually did in 2020 was, we took advantage of an offer from our home lender Chase to do a refinance for a lower interest rate. This should have been recorded as Deed of Trust, as we did NOT take any monies from our equity. We have had conversations with our state/county recorders office, and were advised that Chase needed to correct the error. We contacted Chase customer service and they forwarded our complaint to Chase Escalation Office ( after several complaint calls ) for review. It has been 2 weeks since we have started this complaint, and have zero answers. At first Chase wanted us to refinance and that would get the issue off our title. Taking our interest rate from just over 3 % to 8+ %. We have called many times to get updates on this issue and each call is forwarded to a different individual and our story has to be retold each and every time and the answer has always been the same... Chase is investigating. As it stands we have had 2 hard inquires on our credit and have received 1 denial letter from our credit union, not to mention our equity is locked, at our advanced age is very scary. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I talked to XXXX XXXX  told me I would have to write to Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am trying to get a bank card, I paid off my balanced, my business account needs to get made in the future for XXXX XXXX  deposits. I will not continue to use Citi or make an account for my business unless I can get a simple card. 

So Citi apparently requires use of XXXX according to XXXX XXXX, I ordered the second card on XX/XX/XXXX, I ordered the first card on XX/XX/XXXX, I have complained to CFPB before and been acknowledged by Citi executive office that they would not send XXXX to comply with their fiduciary duty. 


Very tired of games from Citi

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 2023-11-24 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: FL

Complaint narrative:
Transunion is reporting unvalidated information on my credit report, they are using third party information and not performing a full investigation, and have not been informative on who they spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  list them as an inactive company since XXXX so who did they speak to in order to validate them as original creditor, name, position at the company and contact information was not provided because they did not validate with a full investigation, TransUnion is taking false information from a third part debt collector who is in dishonor in commerce for still not replying to my affidavit of truth and still has not supplied a lawful contract

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 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I submitted a request for a transfer in the amount of {$1000.00} from a Capital One checking account to an external savings account with XXXX XXXX. On XX/XX/XXXX the amount was credited from my account and my balance was {$500.00} following the transaction. On XX/XX/XXXX I received an email from Capital One that the transfer was not successful. I did not receive a debit into my XXXX XXXX  account for the {$1000.00}, and the temporary debit that I received from XXXX pending the transfer was reversed. Upon calling Capital One for the first time, the agent assured me that the ACH transfer was successful and it would take up to 5 business days to post ; Friday  was a federal holiday and so it would be deposited by Tuesday  XX/XX/XXXX. He also stated that the transfer failed because I had insufficient funds for the transfer ; however, this being a pre-authorized debit, the money was already withdrawn. On Thursday XX/XX/XXXX I called Capital One to submit a dispute complaint for the amount. On Monday XX/XX/XXXX I called Capital One a third time to request an update and was transferred to a supervisor in the Dispute department who verbally promised that the review was completed and the amount would post to my checking account by Friday XX/XX/24 by the latest. On Friday XX/XX/24 I called Capital One a fourth time and was told the case is still under review because Capital One attempted to contact XXXX XXXX  and did not receive a response. As of the time of writing this complaint, I have been out of {$1000.00} for XXXX calendar days and deprived of the commensurate amount of interest I would have earned from the savings account, currently at 4.92 % APR, due to Capital One 's mistake in handling my funds and inability to return them in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TN

Complaint narrative:
In accordance with the fair Reporting act Converging account # XXXX XXXX  XXXX has violated my rights.Account # XXXX XXXX 15 U.S.C 1681 section 602 A states i have the rights 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 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I have been making additional principal only payments on a mortgage that was sold by Bank XXXX XXXX to Mr. Cooper/Nationstar and it was changed somehow without my signature from a fixed interest rate note to variable interest. Once I discovered they can raise my interest rate every year, i began making additional payments with Notes in the check/payment envelopes that the entire check was to go towards principal of note only. ( I am on auto payment system for the regular payment per month ). The last 3 months they have applied my payment towards Future Interest instead of applying the payment towards principal on the day received and processed. So in a sense, they are not paying down the principal of my note with the entire extra payment as I directed them to do. It is also making the pay-off of the note greater than it should be because of the time that has gone by being applied to future interest instead of principal. I have had to call them every month for the past 3 and ask that they apply payment correctly. They do not. and then i get the statement the following month and see they didn't correct it and that they again misapplied the principal payment ( and the auto payments are not recorded on statement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
portfolio recovery associates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX have 4 accounts of mine in collection which is more than 7 years old but they keep reporting it on my credit report each month when they should have been closed and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
To Whom It May Concern : My personal information was leaked from my company. Thus, I have identity theft on my credit which is affecting my XXXX XXXX XXXX XXXX XXXX and Chase credit cards are not mine nor have I ever done business with these merchants. My XXXX XXXX has always been over XXXX and because of identity theft this is negatively impacting me. My credit file needs to be updated accordingly. Thank you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I want to take out some products and services and they told me it was too late to change it but they never help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I provided my Chase bank account information to my XXXX XXXX so that the overage amount of my federal student loan could be wired to me to cover my living expenses for the XXXX The loan was processed on XXXX XXXX XXXX XXXX XXXX, I called Chase Bank to request a status inquiry on any pending wire transfers listed under my account. I spoke with a representative who confirmed that he could see the transfer information, and I confirmed the amount and the sender. The same representative assured me that there was no hold on the transfer, and that it would be processed the following morning. The next afternoon, it still had not processed so I called again, and was told it would be handled the same day XXXX XXXX XXXX XXXX, and not to worry. Due to the holiday, I was unable to reach anyone from Chase Bank on XXXX XXXX XXXX XXXX XXXX, I called Chase Bank again to request another status update, and I was informed that the bank had returned the wire transfer because I am not subscribed to one of their premium accounts and therefore Im not entitled to participate in an international wire transfer in any capacity. This information was never clearly communicated to me and the negligence of withholding that information has caused me, and will continue to cause me further financial harm. I am a XXXX XXXX XXXX and they are denying me access to my own student loans to cover my living expenses. The solution I was offered was to visit a chase bank branch and open an account with a higher monthly fee. This is not a viable alternative. My bank account is in the negatives and Chase has denied a payment to me that would allow me to pay my rent. This is unacceptable and I am looking for any solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am unable to close my account. I have submitted all verification documents requested, but Penfed request that I call a number for additional verification. I would like to know what additional verification is needed to close my account. I need this response on record and not over phone, due to PenFed responses not being governed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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:
In accordence with the fair credit reporting act XXXX Account # XXXX... And Account # 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 explanation
Consumer complaint received 2023-11-24 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: CA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute of Unrecognized and Unauthorized Inquiries that i see on my credit report. This inquiries details are outlined below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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