vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: FL

Complaint narrative:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I never consented for XXXX XXXX XXXXXXXX  to pull my credit report in 2023

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 2023-07-19 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: NC

Complaint narrative:
I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. XXXX XXXX XXXX XXXX date XXXX with a outstanding balance of {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an alert about my social security number being compromised on the dark web and used to open a Bank of America account. I called their fraud department and submitted a claim on XX/XX/XXXX. The account had XXXX dollars in it and it was opened with my name and social security number. The account was closed on XX/XX/XXXX and a fraud alert was placed with the institution.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Unauthorized Hard Inquiries : 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 explanation
Consumer complaint received 2023-07-19 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( XXXX ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express charged me {$260.00} in interest on a {$4700.00} that was paid in full ONE day after the due date. I was late on payment because I had upgraded to a new card, and American Express did not sync up the due date with my existing card. Further, I contacted American Express on the date I missed my payment, and they agreed to waive charges and interest. The billing cycle was abnormally long given the opening of the opening of the new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: PA

Complaint narrative:
I have the Chase Sapphire Reserve card with my husband. He is the primary and I am an authorized user. We pay $ XXXX annual fee for the card plus $ XXXX annual fee for me to be an auth user on the card. 
XXXX of the benefits that I have and pay for this card is to transfer miles from my ultimate rewards account to travel partners. I am not able to transfer points to partners. I submit the request through the website and it doesn't go through. 
I started calling on XX/XX/XXXXXXXX  and a ticket was submitted to get the issue fixed. I was told it would take 7-10 business days. I called back a few times between XXXXXXXX  to see if anything was fixed, but every time I was told that no one had opened/looked at the ticket yet. XX/XX/XXXX was the XXXX business day, it is still not fixed. I talked to a supervisor that said he would submit another ticket ( this will be the 3rd ticket ). 
I asked for a refund of some of the annual fee since I am not getting the benefits I am paying for, but was told that was not possible. That nothing can be done and the ticket will be worked eventually. 
In the meantime, I have international tickets that I am trying to book with points, that the point amount is increasing as time goes by. It's possible that by the time this issue is fixed ( if it is ), the flights will not be available to book with points, which will cost over {$2000.00} per ticket. 
I have asked every time I call for this to be escalated. Please help to get this escalated. The reason I am an authorized user is to have this ability, but now I do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Veros Credit, LLC
State: GA

Complaint narrative:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Company does not allow consumer to dispute pending transaction & forces consumer to call when disputing any transaction Company website states I am pre-approved for Quick Silver Card & Representative unable to convert or approve for said card per conversation on XX/XX/19 After conversation, offer disappeared from Dashboard ( next to 'credit score ' )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
he texted me on XXXX a XXXX merchant platform and asked to buy XXXX worth {$500.00} which I did sell to him I then told him to send the money through PayPal which was the medium of exchange for the transaction which he did this was on the XXXX of XX/XX/2023 by XXXX I got the money few days after the transaction I got an email from PayPal saying the transaction was tagged as an unauthorized transaction and has been refunded. back to the buyer there was no investigation or nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
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 any purpose. 
Remove late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am reporting Experian for trying to sabotage my credit score I do not understand Ill check my credit report daily and notice that experience has talking points away from me for nothing I havent got any derogatory marks or anything added to my credit report but my points all of a sudden dropped XXXX points on XX/XX/XXXX for no apparent reason and also had XXXX XXXX points deducted from my credit score as well so, a total of XXXX points was taken away from me within a matter of weeks my main concern is why was there XXXX points took in for my credit score on XX/XX/XXXX for no apparent reason below are pictures from my credit report of the XXXX from Experian, XXXX XXXX and XXXX. It shows that I had XXXX points.

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 2023-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MO

Complaint narrative:
Hi, I am on the IDR plan ( REPAYE ) to repay my federal student loans. I was with XXXX and then transferred to MOHELA last year. At the time when I was with XXXX, during the COVID forbearance period, XXXX had emailed me to tell me it was time to recertify my income even though no income recertification was required since it was during the COVID forbearance period. With XXXXXXXX XXXX incorrect guidance, I recertified my income online on XX/XX/XXXX  which resulted in a much higher payment compared to the previous year. I should not have to pay the higher payment due to my original servicer ( XXXX ) providing me with false information. It is unfair for me to be punished with an almost 5x higher payment because I was trying to do the right thing and follow their guidance. I should be provided with the same benefit afforded to everyone else as no one was required to recertify their income during the COVID forbearance period. I have tried to call the new service provider MOHELA but the call has not been successful. I have searched online and seen that others have been able to undo their income certification so I was hoping I could get that courtesy extended to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My ex spouse XXXX XXXX XXXX fraudulently used my name ( XXXX XXXX ) against the divorce decree order as a joint account holder for NationStar Mortgage.. I have court docs to prove signed by a judge ... stating that I XXXX XXXX AM NOT LEGALLY RESPONSIBLE FOR PAYING THE MORTGAGE THAT INITIALLY STARTED WITH XXXX XXXX.. AND THEN REFINANCED SEVERAL TIMES.. NOW THE EXISTING MORTGAGE HOLDER IS NATION STAR MORTGAGE.. I HAVE THE COURT LEGAL DOCS TO STATE THAT IT'S HER FINANCIAL RESPONSIBILITY TO PAY THE MORTGAGE 100 %.. PLEASE IMMEDIATELY TAKE MY NAME OFF OF THIS MORTGAGE.. AND EXPUNGE THIS RECORD FROM CREDIT REPORT WITH XXXX AND XXXX CREDIT XXXX THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TX

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
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. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I RECEIVED MY CREDIT REPORT ON XX/XX/XXXX XXXX AND NOTICE THERE WERE HARD INQUIRIES THAT DONT HAVE PERMISSIBLE PURPOSE TO BE ON THERE .THESE HARD INQUIRIES ARE HURTING ME FOR GETTING APPROVED. I ALREADY REACHED OUT TO THE CREDIT BUREAUS ABOUT THIS MULTIPLE TIME THEY KEEP VIOLATION MY RIGT UNDER 15 USC 168. I ALSO HAVE ATTACHED. THE HARD INQUIRIES THA DONT HAVE NO PURPOSE TO BE ON MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I had an auto-pay account to pay for my Nissan car lease, one day I wanted to update my bank account so i did, after 2 months i realized a late payment on my credit report from Nissan, I called them up to see what was the issue they said they never received the payment on AUTO - PAY i explained to them that i updated my bank checking account and it might something went wrong or it happened that their softer or me missed step to verify the update went through, they walked me through the process to update my checking account while with them on the phone and they helped me set it up correctly, after that i asked if there is a way to correct the error and delete the late payment they refused to remove to late payment on my account, I sent many letter to Nissan and the credit Beaure agency explaining what happened and my attention was never to be late or not to make the payment, i actually paid off and bought the car few months later thinking they might help deleting the late payment but i was disappointed with their reply and with no action what so ever on my end to delete the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On the evening of XXXX XXXX using the Credit Karma website I applied for a Pedal Visa from Web bank.The advertisement said " outstanding odds ''. There was also a reference to " will not hurt your credit ''. After filling out and submitting the application I was immediately refused for the card and received an email saying " notice of adverse action '' listing several ridiculous reasons. This is in my opinion deceptive and as I understand this is not the first time Credit Karma is guilty of this.

Company response to consumer: Closed with explanation