vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today, XXXX XX/XX/year> talked with Chase, and they have stayed to me that they will not adhere to Court order DTD XXXX XXXX, by XXXX XXXX XXXX that ; I XXXX XXXX XXXX is not financially responsible nor responsible for the home of XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Chase Executive office stated they will not adhere to the court order, in which it violates Federal Law. 
Chase has been violating Federal " Credit Fair '' act in that they are saying that I'm responsible, when the court, during the divorce gave the Financial and Responsibility of the house and the loan. 
I'm requesting that your office start and investigation against Chase, in violating a court order and other Federal Law and Federal Acts.

This has been going on for two years, and they are still violating a Court Order.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MOHELA
State: PA

Complaint narrative:
I sent the follow letter to XXXX XXXX XXXX  XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all violated 15 USC 1681 c-2, 15 USC 1681 eb, 15 USC 1681b and 18 USC 1028A.

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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
On XX/XX/24 United Auto Credit illegally repossessed my car at midnight. At no time was I made aware as a consumer that I was in default nor did I have reason to believe I was in default. I received a deferment in XXXX for a total of 3 months, this deferment moved those 3 payments to the back of my loan. The reason for this was the numerous mechanical defects present on vehicle at time of delivery by its parent company Vroom automotive. On XX/XX/24 United Auto Credit printed a statement with an inflated balance of {$2600.00} which when I called they were unable to explain. Nowhere on this statement does it inform me as a consumer that I am in default of any agreement, furthermore United Auto Credit claims they have to only send one notice of right to cure for the life of the loan so in essence giving them right to seize property at any time in the future just because they want to which is yet again illegal and you must send a right to cure each time a consumer goes into potential default after the previous instance of default had been cleared. United Auto Credit has violated several NC state statues designed to prevent predatory practices like this. I have complained at lengths about its parent company Vroom that knowingly sold me an unsafe vehicle and now its subsidiaries is going about the same shady practices. I feel as a consumer that I am now being targeted for my complaints against Vroom.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a complaint with CFPB about TransUnion. TransUnion gave the impression they were doing an investigation then didn't.

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 2024-01-31 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2024-02-01 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: IA

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
Hi, I've contacted XXXX XXXX times and requested them to submit a reimbursement request to Zelle for the following below. XXXX  has noted that I need to contact Zelle directly. I contacted Zelle directly multiple times and they told me I have to go through XXXX since the transaction was performed there. Formal {$900.00} reimbursement request needs to be submitted. 


On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX  ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX  asked for a screenshot of the transaction which we sent to her. Further XXXX  noted that her partner would verify that he received the payment and she would transfer the XXXX tickets to my XXXX account. XXXX  then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. Zelle portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to Zelle at https : //www.zellepay.com/support/report-scam including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
At the beginning of XX/XX/2024, I called Chase about my high minimum payment of XXXX, which I had been paying for over 4 months. The customer service representative told me I had charges through Amazon I was making interest-free monthly payments on. I asked the Chase customer service rep to tell me what they were, and he said Chase did not have a record of what they were, and I had to go to Amazon. 

I called Amazon, and they only had one interest-free payment account that I signed up for which was true, but when I called Chase back XXXX XX/XX/XXXX, they said I had four no-interest plans, and I could not get out of them unless I paid my entire Chase balance off. I never signed up for those interest-free payment plans which ratchet up my credit card balance. ' I have been paying Chase on average XXXX dollars a month. Today I paid XXXX dollars. My average balance on this card runs about XXXX dollars a month. After I took the card off Amazon, I rarely used it. When I asked where my payments were going, Chase told me they were going toward my interest-free payment accounts. 

When I talked to a supervisor at Chase, she said I had to go to Amazon to dispute the interest-free payment plans instead of disputing with Chase. 

. I did not sign up for these accounts that Chase is charging me for, and Amazon has confirmed my claim. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Unauthorized credit inquiries, made by specific companies, were detected on my recent credit report, a clear violation of the Fair Credit Reporting Act Section 1681b ( c ). I demand validation from these companies, requesting copies of any documentation with my signature authorizing such inquiries, and in the absence of such evidence, prompt removal of these fraudulent inquiries within 30 days, as stipulated by the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX and advised my information was lost in XXXX, and now someone has been attempting to access lines of credit in my name. I requested verification of these accounts as they are affecting my ability to obtain credit. Furnishing accounts to my credit profile without my written consent or permission is in violation of 15 USC 1681B.

I thoroughly investigated the accounts and credit inquiries and I have not authorized any of these transactions. These accounts have been placed on my account or linked to my name due to identity fraud. Furnishing accounts to my profile due to identity fraud is in violation of 15 USC 1681 c-2 I also requested all addresses linked to these fraudulent accounts be removed from my credit profile to prevent any future activity.

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 2024-01-31 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: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted the credit reporting agencies in XX/XX/XXXX and XX/XX/XXXX and advised my information was lost in XXXX, and now someone has been attempting to access lines of credit in my name. I requested verification of these accounts as they are affecting my ability to obtain credit. Furnishing accounts to my credit profile without my written consent or permission is in violation of 15 USC 1681B.

I thoroughly investigated the accounts and credit inquiries and I have not authorized any of these transactions. These accounts have been placed on my account or linked to my name due to identity fraud. Furnishing accounts to my profile due to identity fraud is in violation of 15 USC 1681 c-2 I also requested all addresses linked to these fraudulent accounts be removed from my credit profile to prevent any future activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
when you are deliquent with Flagstar they make it difficult to make payments as you are not allowed to use online payment services or make it through the by phone without talking to someone. However they keep you on hold and if you have to get to work for fear of losing your job you are not able to stay on the phone. I did request assistance prior to this in 2020 and was told while i was in bankruptcy that there was nothing they could do as they had to speak to my bk attorney which is not what my bankruptcy attorney handle. I had to file bk the last time and as my employment has reduced my income due to the job maket i am trying to do the best that i can to keep my house but Flagstar makes it increadible difficult.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
A new car was purchased and in that agreement there was a vehicle traded in. The loan held by Ally Auto for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. Ally Auto showed the loan as paid and I was unable to make payments if I wanted to. When I asked Ally about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this. 

The vehicle transaction occurred in the company name but I was a personal guarantor

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX, XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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