vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent an Opt Out letter to the Credit Agencies and the creditors who have recorded erroneous credit reporting for the accounts listed below : XXXX. XXXX  - {$220000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX {$640.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX {$570.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX XXXX - {$3000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX BANK {$13000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX BANK {$7000.00} Explanation : I DID NOT AUTHORIZE PAYMENT HISTORY OR CREDIT USAGE HISTORY ACCORDING TO 15 U.S.C. 6802 AND 15 U.S.C. 1692c ( b ). PER MY RECORDS, THEIR INFORMATION IS INACCURATE. 
XXXX. XXXX XXXX XXXX XXXX {$10000.00} Explanation : Account was charged off XXXX WAS FILED, ACCT IS CONSIDERED INCOME. INCOME CAN NOT BE REPORTED. I DID NOT AUTHORIZE ACCOUNT FOR PUBLIC RECORD, PER 15 U.S.C. 6802. 
XXXX. DEPT OF EDUCATION {$25000.00} Explanation : PER 20 U.S.C 1232G ( FAMILY EDUCATIONAL AND PRIVACY RIGHTS ) AND 34 CFR 99, MY RIGHTS HAVE BEEN VIOLATED AND MY INFORMATION PUBLICALLY EXPOSSED ILLEGALLY.

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 2024-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am looking for my loan paperwork when the load was started alone with the paperwork that occurred doing COVID, they put my payment in the amount of XXXX at the end of my loan, the date that my loan ends is XX/XX/year> which my payment is due. I have currently paid all the principle ; I sent them the same monthly payment and they cash my checks and sent me the money back and now they are calling me every day saying I am behind on my payments. My loan number is XXXX CUSTOMER SERVICE : XXXX Mon-Thu XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fri XXXX XXXX. to XXXX XXXX XXXX XXXX  ) Sat XXXX XXXX XXXX XXXX XXXX. ( XXXX  ) www.mrcooper.com YOUR Dedicated Loan Specialist is : XXXX XXXX AND CAN BE REACHED AT : ( XXXX ) XXXX or via mail at : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
initiated a wire transfer to my coinbase account. Triggered chase fraud protection. Chase said they would not approve transfer unless I confirmed which currency I would invest in. I told them it was dependent upon market conditions. They denied my transfer, were rude and unhelpful as a loyal XXXX yr customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United PanAm Financial Corp.
State: KY

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : RE : Right of Rescission Dear XXXX XXXX XXXX I, XXXX XXXXXXXX, Original Creditor and Natural Man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with XXXX XXXX XXXX XX/XX/2024. 
I entered into this contract agreement with XXXX XXXX XXXX without : I. Full disclosure of my right to rescind II.

Transparency regarding the process of the consumer financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ).

credit application being that I have reason to believe that XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S.

Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

In addition, I was given false and deceptive information, as I was informed that a down payment of {$4500.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S.

Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.

Furthermore, the down payment reimbursement of {$4500.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: MS

Complaint narrative:
I am writing to notify you that I am a victim of a recent data breach. As such, I am requesting that the following accounts be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my knowledge or consent, and I ask that they be removed from my credit file. 
Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX. SelfInc/Lead Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Fraudulent Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX  and Tr Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Service Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Service Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX  Date of XXXX : XX/XX/XXXX Please process this request in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), and provide written confirmation that these accounts and inquiries have been blocked and deleted 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 2024-12-18 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: TX

Complaint narrative:
Around XXXX XX/XX/year> : I applied for the Southwest credit card ( processed by Chase ). I got a hit on my XXXX credit score but Chase responded, when I called them up after about 10 days, that they never got the report. I had my score fall XXXX points ( XXXX from XXXX ) on XX/XX/XXXX because Chase ( JPMCB ) accessed my credit report towards the Southwest credit card application, but they denied it and declined my card application. 

Around XXXX XX/XX/year> : I called up XXXX to confirm if Chase had accessed my credit report. They said yes ( which I can also see on my account ) but they said they can not do anything and I should contact Chase and if they are not helpful, the the FTC. I called Chase and confronted them with evidence ( my score report on XXXX ), but they did not accept accessing y report. When I asked to be connected to a manager/ supervisor, I was put on hold for about 12-15 mins with no one getting back, so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-12-18 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: KY

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX KY XXXX SSN : XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX Dear TRANSUNION This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately.

Please remove the following unauthorized hard inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Sincerely, XXXXXXXX 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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX XXXX XXXX I was notified by mail that AE Outfitters credit card was enforcing paperless statements. If I did not accept the paperless form a {$1.00} fee would be applied to the paper statement. I complied to their request and signed up for the paperless form. The bank that handles AE is Synchrony Bank. I have XXXX other credit cards in addition to PayPal credit that Synchrony supports. All of them send me a XXXX XXXX XXXX  day notification that my statement due date is approaching ( XXXX 's Club, XXXX XXXX XXXX XXXX XXXX  ). AE never sent me a notification in XXXX therefore I incurred a late fee of {$30.00} and an interest charge of {$7.00}. I called and explained that I did not receive an email notification. They said they would waive the late fee but not the finance charge. The XXXX past due statement total was {$260.00}. My purchases for that statement period were {$220.00}. Since they waived the late fee I paid XXXX - XXXX = {$230.00}. I have not used the credit card for purchases until XXXX of this month. On XX/XX/XXXX I received an email from Synchrony stating I have a past due balance of {$4.00} which are $ XXXX monthly minimum finance charges. I was charged a {$2.00} finance charge in XXXX which I never received a statement notification for and now again in XXXX. I feel I am being taken advantage of and at their mercy of email notifications. I just paid the {$4.00} finance charge in addition to the {$28.00} purchase made on XXXX which is not due until the XX/XX/XXXX statement date. The representative said I may receive more finance charges and he can not credit them. I always pay my balance due in full and never carry a balance. I have had this credit card for over XXXX years and have never missed a payment in full.This all started in XXXX when AE Outfitters implemented the paperless statement policy. I am reaching out to you for yor help to stop this unfair practice. 

Sincerely, 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
Dear SageStream , LLC Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2024-12-18 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand these payment be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with explanation