vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023, I received a credit card application denial notification from Chase. I contacted Chase to inquire about the attempt, and they informed me that they flagged the attempt for fraud and did not open the account. 

I requested that Chase assist in reporting the new account inquiry as fraudulent to the credit bureaus. They initially told me they have a process to send letter to each of the bureaus, and issued me a case reference ID of XXXX. 

I checked my credit bureau reports after the 60 day window they suggested ( XXXX, XXXX and XXXX ) and noticed the hard inquiry was still present at XXXX and XXXX. I don't believe it was removed from XXXX, but rather never reported there. Upon follow-up with Chase, they told me that the previous information was inaccurate and that I would have to follow-up with each of the bureaus. 

I have been able to file a dispute with XXXX over the phone. XXXX has two processes to file a dispute for a hard inquiry, which I confirmed with them via phone. The first is to have the creditor send them a letter, which Chase has refused to do. For the second, I was directed to FTC.gov. After following the prompts to a credit report dispute, I was redirected to the CFPB and this complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was hospitalized for 6 months due to XXXX XXXX during that time why identity was stolen fraudulent credit accounts were opened in my name. Please remove listed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On about XXXX I went on a what I thought was a XXXX XXXX website to purchase a set of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$83.00} + {$6.00} est tax. I was redirected to my PAYPAL account to sign in. As I was not redirected to website to finish transaction after this, I knew something bad was happening in real time. 
I immediately called PAYPAL, & signed into my PAYPAL account on a new window. 
I filled out a dispute to these charges as this fraudulent XXXX XXXX XXXX was trying to double charge me the {$83.00} TWICE {$160.00} + XXXX. All this was happening in real time & I was shocked. Unable to get a human being on the phone from PAYPAL, I then removed my bank account attached to my PAYPAL account to stop the charges. Over the next XXXX weeks, I made separate claims for these XXXX disputed charges & fraud on my PAYPAL account. As my documents from my PAYPAL account will show, PAYPAL claimed there was no problem with the initial {$83.00} charge, even though there was no receipt of transaction, & of course I never received the product. The XXXX & XXXX charge of {$160.00} I disputed both, & my docs will show PAYPAL refunded the money back to me for # XXXX charge, & disallowed me from disputing what they thought was the same charge when I filed # XXXX case. I tried finally to speak with someone on the phone from a far away place, & they were not any help at all, & would not let me speak to a Supervisor. 
At this point, I printed all I could from my PAYPAL Account, & went to my bank, & spoke to a representative. They scanned all my docs, & sent them to the fraud department of the bank. I was in contact with this department for 2-3 weeks as they worked through this material I gave them. They didn't contact PAYPAL on my behalf which I thought was odd considering the fraudulent charges from PAYPAL were being sent to my checking account. The bank did reimburse me for charges # XXXX, & # XXXX {$160.00} + {$160.00}. 
PayPal then sent me an email saying my Account was {$330.00} in the negative. 
This is even after they refunded one of the {$160.00} charges earlier. As of XXXX, I get phone calls daily, & emails telling me my account is in the negative. I recently received a small postcard telling me there was some negative info in my credit report. 
I'm sure this is the PAYPAL issue, & was my biggest fear come true. Trying everything I thought was right to resolve this bad situation, I'm now facing the wrath of a large company going after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I have recently moved back to US in XX/XX/2023. I had a Venmo account before, and then, because I needed to pay for rent applications, I tried to reactivate my account. Well, the one I had before I could not reactivate. Then I made a new account with a new email. Ever since I made this new account, I could never manage it. First, they froze my account for no reason at all. They asked for my US visa to unfreeze it, and I provided. After a while, and after spending time on the phone with support agents that did not helped me at all, they unfroze my account. Even so, I tried to link my bank account to Venmo, and it never worked. Once, I wanted to transfer the money for a couch that I wanted to buy. The guy selling the couch did not have XXXX, so I had to venmo him. It was a complete nightmare, as I could not link my bank account to Venmo. I had to withdraw money to pay him. 
The nightmare goes on... A friend of mine wanted to pay me XXXX dollars for the XXXX dinner I host at home. She also only had Venmo, so I let her make the transfer to my account. It worked, wow, I was impressed. Then, I tried to transfer my money to my bank account and guess what? I could not transfer it at all. 
I found out that my legal name was not correct in my Venmo account ( not my fault ), so I needed to change it ( another nightmare ). Today, it was FOURTH time I sent my XXXX visa to Venmo support team, and nothing. I've been wasting a lot of time with this company, and not a single " account specialist '' can solve my problem. It is incredible that I can not transfer XXXX dollars to my bank account using this horrible service. I desperately want to take this money out and close this account as soon as possible. I hope someone from the support team can effectively help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I contacted the company to opt out of sharing my personal information with third party non affiliates per 15 USC 6802 and 16 CFR 313.7 ( f ) Continuing right to opt out and no action has been taken by the company.

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reported as late.

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 2023-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
I recieved a secured loan from XXXX XXXX which namely is housed under the name, XXXX XXXX XXXX in XXXX of this year and I have been diligently paying this loan since the beginning. This loan is secured by two TVs, a chainsaw and another small personal item.I have run into a family financial hardship unbeknownst to me. I reached out to XXXX XXXX  not getting into detail as to why with the female manger of this store and explained that I have enrolled this debt into a debt relief program with XXXX XXXX XXXX XXXX XXXX XXXX of which I tried providing the number for them to call and verify of XXXX, XXXX also have power of attorney. This lady proceeded to tell me that they do not work with them and that she cant hold the account after 30 days it goes to the attorney and they will garnish and take my personal property thats listed as the secured items on the loan. She then told me to not trust them they will take my money and not negotiate anything with the creditors and what she didnt know is that I have worked with XXXX XXXX XXXX  years ago and they helped me a lot and got me debt free before. Also she was unaware that previous XXXX XXXX  customers enrolled with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  worked with XXXX before on other accounts, which this was verified with me by XXXX staff. At the time of getting this loan I truly could afford paying back the monthly amount until this unfortunate situation occurred unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
The account was open but never used. I verified with the creditor XXXX XXXX XXXX that the account was inaccurate and not my account. 

SUNRISE CREDIT SERVICES - 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 2023-12-19 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortarage company XXXXXXXX XXXX Date of inquiry : XXXX Hard inquiry credit pull Refused to give loan estimate Respected Credit Bureau Representative XXXX Me and my wife were shopping for Mortarage loan XXXX We provided SSN details, employment details, date of birth details, and address to Rocket Mortarage to get loan estimate. I requested for soft pull, but they did hard inquiry and refusing me to give loan estimate. I requested for loan estimate they are not giving. Please help me in getting the loan estimate. 

Best regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-19 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please review the attached documents. I request the bureau to begin an investigation into these accounts, which I am consistently on time for, but are inaccurately reported as late.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Credit Bureaus, I just got another copy of my credit report and still seeing inquiries that I have no knowledge of or give consent to. Once again, according to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request my credit report : Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2023-12-19 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Dovenmuehle Mortgage, Inc.
State: CT

Complaint narrative:
Hello, We processed a loan modification with Deovemuehle mortgage servicing. We sent a payment of $ XXXX for past due amounts along with the loan modification agreement. 
In the terms and conditions it clearly states that the escrow advance would be added to the principal balance. It was not added and now we are showing 2 months delinquent and heading towards foreclosure again! 

We would like all fees refunded, escrow advances added to the principal balance as stated in the loan modification agreement, negative credit bureau reporting corrected credit and loan brought to current. 

We have been working with Dovenmuehle for 2 years to get this loan modified. 
Please help us save our home. 
Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation