vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have inaccurate report of XXXX XXXXXXXX on my report I have tried to fix it and its on all 3 credit bureau I have screen shots and its affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/22 I was cohered buy some items I didnt want to a beauty store selling creamed in XXXX XXXXXXXX XXXX XXXX . Two charges were made to my XXXX credit card ending in XXXX one for {$550.00} and other for {$10000.00}. These charges were refuted and a XXXX rep said nothing could be done. I continued complaining almost every month. Banco Popular representative of XXXX answered letters saying the same thing that i had complained out of time ( XXXX ). I continuded complaining and to my surprise from the bank notifiying that after investigation they were crediting XXXX to my account. No further explanation was given. I was never sent a letter that this was a settlement in accord snd satisfaction regarding the other amount of XXXX. Again I complaint and received a letter explaining that my complaint was received out of time. XXXX nor the bank can arbitrarily decide what amount, made with same card, same day, almost same time return or not using the same excuse that both complaints were filed late. They can not go against their own act for the same issue ( estoppel ) .their acts go against this doctrine.. the same way the decided to refund the lesser amount, they have the obligation to refund the larger amount. I want my money back. The store is XXXX  They have complaints in the police and consumer dept. and havent won one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
SP Servicing acquired the loan from XXXX in XX/XX/XXXX, when SP Servicing sent notification they are the new servicer, an accounting of the escrow was sent along with a request for the insurance declaration page. XXXX had an escrow for taxes and hazard insurance set up, I told SP Servicing this, and they requested letters and documents from me. I complied right away, they acknowledged the letters I sent, then I was sent a letter stating they are looking into the matter. After that, I received XXXX extensions on that letter? After numerous phone calls to the mortgage company ( XX/XX/XXXX to today XXXX XXXX ) to clarify if they are going to escrow the account for the taxes and insurance, I never received any confirmation the escrow has been set up. On XX/XX/XXXX at XXXX, my insurance expired. I have NO HAZARD INSURANCE. When I phoned SP Servicing on XX/XX/XXXX, I was on the phone with the insurance department at SP Servcing and the lady, XXXX, told me she made the payment that day. I just got a call from my insurance company and I DO NOT HAVE HAZARD INSURANCE on XX/XX/XXXX. I don't know what can be done. SP Servicing sent me a letter on XX/XX/XXXX apologizing and telling me they are going to fix this. It is not fixed, they lied, and calling them is like calling a XXXX box ... .nothing! I was told escrow department " does not accept or make phone calls. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I leased a vehicle through Hyundai Motor Finance between XXXX XXXX XXXX. Since lease-end, I have received multiple bills of " taxes '' that I owe. When I try to contact Hyundai to have a more thorough explanation of these charges, they can not provide any documentation defining where they have come from. They are unable to provide documentation of the bill they received from my appraisal district ( XXXX XXXX ), nor are they able to explain to me why I have an " unpaid balance '' totaling {$1000.00} on my account. The " bills '' I have received do not add up to that. In addition, when I try to view the statements posted to my account online, there are not any statements from HMF that add up to that amount either. 

The last time I spoke to a representative, they assured me that I would receive an email with all the tax bills that I owe. The only bill I received was for {$240.00} ( attached as file " XXXX XXXX '' ). I emailed the account who sent me that bill on XX/XX/XXXX requesting the rest of the bills and have not heard back. Their customer service department has been extremely unhelpful and difficult to communicate with. 

One year ago, I also submitted an abatement request via mail, per their very detailed instructions. I never heard back from them and assumed the issue had been resolved until I received another bill this XXXX. I've attached the XXXX  abatement request. In addition, I also submitted a complaint to the CFPB exactly one year ago for this same issue, which was deemed " resolved '' but they never removed the undocumented debts from my account. 

I do not feel like I am obligated to pay a bill that does not have any clear documentation as to where the charges are coming from. Furthermore, my vehicle was for personal use, not business, therefore in the state of Texas my vehicle should have been exempt in the first place. I would like Hyundai Motor America to remove these charges, do not send them to collections, and stop sending me bills in the mail that they can not explain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Commencing in the beginning of XXXX, XXXX, I fell victim to a multilayered scam orchestrated by fake CoinW, operating under the domain www.coinwget.com. I was approached by XXXX promising grand returns on my investments. They had me download telegram and placed me in a trading group where I have met more victims such as myself. I have lost XXXX USD of my hard earned money using your services. The Page - 2 - of 23 COMPLAINT FOR DAMAGES AND OTHER RELIEF DEMAND FOR RESOLUTION OF FINANCIAL DISPUTE Fraudsters requested I pay numerous amounts of tax and release fees in order to withdraw my investments, which I now know to be fake, profits. It was too late when I figured out I was being scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by transunion, XXXX and Experian. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I made security deposit with XXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX midland and some other collection agency I cant recall

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I made security deposit with XXXXXXXX XXXX XXXX XXXX for XXXX card after missing several payment bank refused to accept payments never refunded security deposit and turned over account to collection agency illegally reporting as unsecured credit on my credit report with bogus fees equal to {$600.00} refused to correct illegal reporting or return my security deposit and continues to illegally report this on my credit report I want them to delete the account from my credit report they never lost any money since security deposit was equal to amount if credit they issued itsxa scam they run with collection agencies. Delete this account for XXXX secured card from my account the amount is incorrect and its secured not unsecured card they are reporting illegally through several collection agencies conspired with them XXXX XXXX XXXX and some other collection agency XXXX cant recall

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
SEE ATTACHED DOCUMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: IL

Complaint narrative:
I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm XXXX  and XXXX XXXX XXXX XXXX, so I need your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis 260 F. Supp 2d711 ( SD Ind.2003 ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have inaccurate report of XXXX  XXXX on my report I have tried to fix it and its on all XXXX credit bureau I have screen shots and its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have inaccurate report of XXXX  XXXX on my report I have tried to fix it and its on all 3 credit bureau I have screen shots and its affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Chase Executive Office : In the letter from Chase Bank ( Attached to this complaint ), you were mentioning the payment of {$800.00} that I used online payment on XX/XX/XXXX, was sent successfully to XXXX XXXX, and you even provided the trace number XXXX. 

I attached two letters from XXXX XXXX, dated XX/XX/XXXX, and XX/XX/XXXX. In both letters, XXXX XXXX XXXX, who is a customer XXXX XXXX team member from XXXX XXXX, indicated the trace number was not good enough ; he said that he needs Chase Bank to confirm the payment received by XXXX XXXX, which will conclude XXXX XXXX received the payment of {$800.00}. 

Also, XXXX XXXX XXXX requested that Chase Bank send the requested information to his attention at the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, Florida XXXX Please note I trusted Chase Bank with my financial too many years, and I hope that Chase Bank will work with XXXX XXXX XXXX from XXXX XXXX. 

Finally, Chase Bank can take care of this minor issue for a customer like me, who has always trusted Chase Bank. 
Please don't let me down, I attached one letter from Chase Bank and two letters from XXXX XXXX for your review. 

Thank you in advance. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: PA

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies XXXX, XXXX, and Equifax are mandated to conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I assert my rights supported by 15 USC 6801, which underscores Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, XXXX, and Equifax, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX, and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX, and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of there reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
SEE ATTACHED DOCUMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief