vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS 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 non-monetary relief
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted the companies and the bureaus and asked for them to be removed and they have not been removed yet. 
Account opened XX/XX/XXXX in the amount of {$530.00} with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1000.00} 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 2023-03-03 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: VA

Complaint narrative:
I contacted the companies and the bureaus and asked for them to be removed and they have not been removed yet. 
Account opened XX/XX/XXXX in the amount of {$530.00} with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1000.00} 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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The approximate dates on when I had enough of Citi Band Credit Card is XXXX XXXX XXXX XXXX XXXX Credit card gets declined at certain places although credit is available. 
They place a hold on your account claiming they can't verify you. 
Issues with verification Can't make payments or check balances The company must send a code to your phone, call you and send a letter to verify it's you to take hold off of the account. 
Representatives claim they are trying to verify you and if they can't they claim fraud and this delays the process of having access to your account. 
They claim this is to help protect you. 

This happens too often and is very stressful and embarrassing. I don't experience this type of service with any of my other credit cards. 

I check my accounts regularly. If there are unapproved transactions on my account, I can contact the company immediately myself.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has many cards ( 9! ) that have Ultimate Reward points. The Freedom Unlimited card, the regular Freedom card, the Sapphire card, the Sapphire Preferred card, the Sapphire Reserve card, the Ink Unlimited card, the Ink cash card, the Ink Preferred card and the Ink Premier card ( which is a new card ). 
The way it always worked was that all these points can be moved around to each other ( under the same household ). I had XXXX points on my Ink Premier and around the same amount on my Ink Unlimited card. Ultimately I wanted to use them to transfer to an airline of my choice. So to make it easier to track, I decided to combine them into 1 account. So on XXXX XXXX XXXX I moved my XXXX points from my Ink Unlimited to my Ink Premier.

Then I realized to my horror that not only can't Ink Premier points be transferred to airlines, I can't even move it back to the card it came from! The Ink Premier card is a trap, it's the ONLY Ultimate rewards card that can receive, though can't send! So now I'm stuck with such a huge amount of points that I wanted to use to fly and instead just stuck with their lousy cash back option. 
Very very upsetting and very unfair that all other 8 Chase ultimate reward cards, points can be moved in and out, and the Ink Premier can only receive! If Chase wants the Ink Premier card to be a different product than all the other cards, then they shouldn't let points in as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( XXXX, XXXX, Experian ). 

Experian ; XXXX XXXX XXXXXXXX, XXXX, TX XXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXXXXXX/ XXXX, XXXX XXXXXXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' ( NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY 'XXXX XXXX XXXX XXXXXXXX XXXX ' ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number 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 ' According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( XXXX, Experian, XXXX ). 

Thank you, 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 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Good afternoon, my situation is as followed : I paid on my vehicle loan for 7 years via autopay through PNC Bank. Apparently, the very last vehicle payment is supposed to be paid via check or other source, but is not paid via autopay. I was unaware of this, as all of my other payments were under autopay for 7 years. Sometime XX/XX/XXXX I saw my vehicle loan payment had not been taken out of my bank in XXXX, so I assumed that meant the loan was fully paid off. Well, this was not the case. I received an email from PNC Bank XX/XX/XXXX stating my account was past due. I immediately called PNC Bank and spoke with a male associate who stated he would put in a request to have the late fee removed, but stated I had to wait a few days to pay my last payment. I called PNC a few days later and spoke with a female associate who stated the late payment should be removed and that this thing happened all the time at the end of a loan, due to the last payment not being autopay. The PNC associate stated I should have received a bill in the mail for this last payment. In all honesty, if I did receive a bill from PNC I would have thrown the piece of mail away without opening it, as I would have just assumed it was my monthly statement- NOT a bill. For the past 7 years I have received a statement every month from PNC Bank regarding my payment being autopaid so I stopped opening these since they were always the same. Anyway, once I became aware that I still owed 1 payment, I paid it. I paid my last vehicle payment XX/XX/XXXX and then I received a notification from credit reporting that I had a late payment tagged to my credit report. My credit report was greatly impacted by this late payment. I would like to have my case reviewed as I never once submitted a late payment in 7 years of paying on this loan and then this happens the very last payment. This was all a big misunderstanding and now my credit score has been greatly affected over all of this. I had excellent credit until this negative hit from a late payment that I had no idea about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-03-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 

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
Consumer complaint received 2023-03-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX have called XXXX, transunion, and also XXXX numerous of times and also sent certified mails without any solution being solved. Today XX/XX/2023 still have yet to have 19 total inquiries on my credit that is still listed. Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXc. is still reporting as late on my credit report without my consent, no wet signature was given for a consent to XXXX to report to my credit report. These inquiries and all late payments shall be removed with my demand. My credit score has dropped tremendously, hurting me and my family from a buying a house, a car for my supported needs. This is against my rights as a consumer. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 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 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 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX initiated a wire transfer in amount of {$13000.00} from XXXX XXXX Account to Chase Bank. Reason - XXXX XXXX. Posted & account debited. 
XX/XX/XXXX Wire transaction completed & obtained Federal Reserve Tracking number. 
XX/XX/XXXX thru XX/XX/XXXX no funds received in recipient 's Chase Bank account. 
XX/XX/XXXX Still no response from Chase Bank. XXXX determined they input an incomplete account number but had the correct bank routing number. They initiated an XXXX. 
XX/XX/XXXX Still no response from Chase Bank & {$13000.00} not in the recipient 's account. XXXX initiate a Recall. 

Recipient contacted Chase bank repeatedly over these weeks via phone to no avail. 
XX/XX/XXXX recipient called the local Chase Branch Vice President requesting his assistance & provided him the Federal Reserve Tracking number. 
XX/XX/XXXX Recipient met in person with the Chase Bank VP however he had no update. 
XX/XX/XXXX recipient provided the Chase Bank VP with a copy of the XXXX Wire Transfer XXXX form confirming the wire went to Chase Bank. 
XX/XX/XXXX Not a single response from Chase Bank to date. The {$13000.00} remains unaccounted for. The funds are not in the sender 's account nor in the recipient 's account. 
FIVE weeks is too long for a Wire Transfer to post at Chase Bank. I can not attach the Wire Transfer Transaction form below due to the identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have tried to request my credit report numerous times over the last 2-3 years and was unsuccessful until very recently. For one reason or another I was blocked completely and couldnt access my own credit report. I am having the same issue with several email accounts, unemployment insurance, and a variety of other very important personal information including my tax returns and IRS account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update or validate the listed accounts for their information is misleading and must be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
XX/XX/XXXX Gentlemen : XXXX XXXX XXXX XXXX  I purchased my building at XXXX XXXX XXXX, XXXX, IL XXXX. As I neared the end of my mortgage time, the debt collection company XXXX as Mr. Cooper bought my mortgage. As result I have had numerous problems and concerns with the handling of my mortgage and I recognize that I am a victim of Predatory Lending Practices. 
The latest in a long string of concerns involves information that I just recently received stating that Mr. Cooper added {XXXX XXXX to my mortgage for hazard insurance that they purchased to cover them only, at my expense. 
I purchased insurance for my building with XXXX XXXX XXXX years ago, which Mr. Cooper paid from my escrow account. XXXX XXXX reports that Mr. Cooper did not pay the full amount resulting in the lapse in insurance coverage effective XX/XX/XXXX. I received notice from XXXX XXXX that Mr. Cooper did not pay {$150.00} of the total amount that was due and that the balance would be turned over to a debt collector. I immediately paid the balance and updated insurance coverage on my building on XX/XX/XXXX. Regardless, on XX/XX/XXXX, XXXX and XXXX I receive emails stating that Mr. Cooper had purchased hazard insurance in my name. I talked to a Mr. Cooper representative about this and they stated that I do not have insurance and that is why they made that purchase. However, on their own site it indicates that I do have an active policy that is current. 
My mortgage balance was less than {$26000.00}. Now {$14000.00} has been added on bringing my balance to over {$40000.00}. 
I have worked very hard to pay for my building and I cant help but feel that Mr. Cooper is working very hard to steal it from me. I am asking you for an immediate thorough investigation and help with this matter. I am sure you know that the troubled predatory Nation Star is now the same rebranded as Mr. Cooper. 
Thank you in advance for your time and attention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation