vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 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: CA

Complaint narrative:
After reviewing my Credit Report, I noticed several UNAUTHORIZED Hard Inquiries on the report as follows. Please DELETE the Hard Inquiries as soon as possible. 

TRANS UNION 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 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 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 2023-12-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my Credit Report, I noticed several UNAUTHORIZED Hard Inquiries on the report as follows. Please DELETE the Hard Inquiries as soon as possible. 

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 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 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 EXPERIAN 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 explanation
Consumer complaint received 2023-12-02 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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-02 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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-02 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:
These Accounts have violated my rights According to FCRA. XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX ) XXXX. XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX. THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, EQUIFAX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : XXXX ) DEFAMATION XXXX ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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:
These Accounts have violated my rights According to FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-12-02 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
An airline ticket was purchased using my American Express Delta Skymiles card ( confirmation code XXXX ), also the insurance box was checked to further protect if I had to cancel the flight. ( Scheduled for XX/XX/XXXX ) I canceled the airline ticket because I did not have to physically appear in court. Delta Airlines assured a refund to my credit card would happen. The credit for the {$530.00} airline ticket did not happen and I began disputing the charge when I noticed that it had not been removed from my credit card on or about XX/XX/XXXX. The charge was removed from my account and within a few weeks or less, the charge appeared again on my account. Called again to American Express to form another dispute, ( XXXX ) advised that it would be taken care of and not to worry. ( Continual process for over 4 times ) Tried to use my other American Express Card Hilton Honors, while on vacation in XXXX of XXXX for my Hilton honor points, and was told card declined, and account closed. Called American Express and was told that I disputed the charge " to late '' and that I would have had to dispute the account within a certain " timeframe ''. Advised the representative that I have continually been disputing this charge and was told by the representative that the charge was valid. I advised that I was told that there would be a credit issued because I canceled the flight and that credit has never happened. Contacted Delta airlines, and they stated they could not locate the flight information ( Confirmation XXXX ) despite the fact that I provided the confirmation number. Then was told if I had insurance, I would have received something for " XXXX ''. 

I was charged for a flight that I canceled, never issued a credit, or even so much as a voucher to use at a later date. Now, the American Express Hilton Honors credit card that had a {$0.00} balance is closed. The American Express Delta Skymiles Credit card, as of XX/XX/XXXX has a balance of {$850.00} from all of the late fees and interest fees American Express keeps charging me for a charge that was never refunded despite the continual disputes. Now, I keep getting text messages, stating " Your AMEX payment is due, '' " Keep your AMEX account from going further past due and avoid further negative impact to credit score '' " Pay {$40.00} to keep your account from becoming further delinquent. '' Now, my credit report is damaged due to American Express actions, and I have contacted and formed complaints with the credit reporting agencies. Now, I'm beginning my complaints with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX phh makes a incorrect insurance payment of {$3400.00} on a policy set to expire on XXXX 45 days in advance. 

Made a payment XX/XX/XXXX on new insurance XXXX. 

Provide updated tax numbers XX/XX/XXXX due to their incorrect numbers by over XXXX XXXX 

They state they will attempt to fix this but now my escrow is showing underfunded. I was contacted the last week of XXXX stating it was fixed. I get the cancelled insurance payment back and have to pay this back which is fine but Im charged {$15.00} fee in the process. This fee is erroneous as their error does not constitute a fee on my part. 


On XX/XX/XXXX they make an insurance payment for XXXX XXXX  for the county. The count bill is XXXX XXXX This is post them informing me they have corrected the error. 

They still have 2 more tax payments to make, city and school, which I expect to also be gross overpayments which will result is a higher mortgage like what happened in XXXX. 

My mortgage payment went from XXXXXXXX XXXX XXXX for all of XXXX and they did not provide me the 30 days to correct this issue. Now they have overpaid for a tax and unneeded insurance which has resulted in underfunding and fees on my side which are unethical. If this is happening to me, I suspect it is happening to many of holders.

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 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I was in contact with XXXX XXXX, the hiring XXXX. He told me that I would need to pay for the time tracking software, and I told him that I could not pay the full amount of {$350.00}, because I don't have a job at moment. He then told me, that I could do a part payment of {$200.00}, which I have paid, and he told me that I would have to pay the full amount before getting the software added to the work laptop. I have requested a refund, but he refuses to give that money back, because I wasn't able to pay the rest. I paid XXXX XXXX of XXXX XXXX through Cashapp, and I requested the money back from him, which he declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have been paying my mortgage through XXXX XXXX for XXXX years. Last month, XXXX XXXX sold the loan to Mr. Cooper. Mr Cooper, without any explanation, Mr Coop adjusted my escrow, stating that I owe an additional {$4200.00}, which would increase my monthly amount by {$300.00}. I tried to contact Mr. Cooper through their XXXX number, but no one answered. I checked payments to my insurance company, and tax assessment ( which went down ), and no changes were as significant as Mr. Cooper 's claims. 

I need Mr. Cooper, in writing, to give a detailed explanation of their increase and how they came to their conclusion. I also need to explain why their analysis differs significantly from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America reduced my credit limit from {$4000.00} to {$2100.00} on XXXX  The letter dated XX/XX/ states that a decrease in credit score per XXXX corroborates the credit limit decrease. 

The account has never been late nor any adverse action has been taken from the consumer or Bank of America to substantiate the decrease in credit limit. 

Furthermore, the initial credit limit was backed by the Federal government with full faith and credit. 

It is unlawful to deny the full faith and credit limit that was authorized without subrogation.

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 2023-12-02 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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
paypal has stolen XXXX usd of my fundraiser https : XXXX in XXXX they did limit my account permanently for XXXX  days but till today I can not witdraw my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have inquired and sent letters with the credit companies to investigate and delete the account and reporting and they have failed to do so every month for the last year. I have no recollection of opening that account. I requested the original bill of sale which they have failed to provide on several occasions. I have sent dispute letters to both the credit companies and the loan company. 
Balance : {$9200.00} XXXX XXXX : {$17000.00} They are providing me with numbers but failed to provide with a copy of my signature and a copy of the original bill of sale.

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 2023-12-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Acct # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX, XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX Case # XXXX, XXXX 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 2023-12-02 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:
In accordance with the Fair Credit Reporting and 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 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 non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for Chase ink business credit card on XX/XX/23, I was kicked out the application after I was done and pressed submit, I was given a error message and to try again later. I received a email credit alert inquiry, that's when I then know that the application did go through and it was denied on personal credit and not business credit

Company response to consumer: Closed with explanation