vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom this may concern. 

I recently received a copy of my XXXX XXXX and XXXX credit report and I noticed some late payments posted on my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law .15 U.S.C. 1681b, Permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to report this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1581a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delete the above account from my credit report. This agency is in violation of 15 U.S.C 1681a.

Failure to response I would take legal actions under 15 U.S.C 1681n Seeking a {$1000.00} for each Violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX account closed with a total of {$4300.00} XXXX - XX/XX/29 I have called for the return of my money and continually get the runaround As of XX/XX/29 money has not been returned Company has not given a time or actions needed for the return if ny money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
I HAVE SEVERAL INQUIRIES LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. I REACHED OUT TO THE FOLLOWING COMPANIES WHO SUBMITTED THESE HARD INQUIRIES AND RECEIVED NO RESPONSE WITHIN 60 DAYS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
I have recently completed a 5 year repayment of my debts as part of a XXXX  XXXX Bankruptcy repayment plan. I made diligent monthly payments for 5 years as part of my XXXX  XXXX plan- never missing a single payment. I have received my legal confirmation that my XXXX XXXXXXXX is paid in full and has now been closed. However, in the case of XXXXMohela -- they contacted me after the bankruptcy closed to say I owed them an additional {$8900.00} and that payments would need to begin immediately. I called Mohela immediately to inquire -- Why do I have a balance due? Was this an accounting mistake? Did they not understand the XXXX  XXXX payoff memo? Or is there some other reason that this amount was not claimed/included when they were contacted as part of my XXXX  XXXX process? I do not believe I'm responsible for this amount, and I asked over 5+ long telephone calls, multiple unhelpful call-backs from " supervisors, '' and many harassing emails and phone calls trying to collect on my " debt. '' I have submitted requested proof of payoff to Mohela, received no reply, received an account history, but still no confirmation of why the amount they now claim I owe wasn't included in my 5-year repayment plan. I'm now being threatened with late payment fees and negative reporting to credit buraus for late payments -- this has been very frustrating, and I feel I'm being strong-armed into paying without proper understanding of why this debt is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: Grain Technology, Inc.
State: CO

Complaint narrative:
In XX/XX/2022, I was XXXX  for an emergency XXXX XXXX XXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with XXXX is negatively impacting my credit score. Due to the XXXX in XX/XX/2022, I am requesting that the late payment be waived and update to paid on time so I can be approved for my new home as my lease is up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I ran a transaction on my customers card, no problem, but due to problems getting parts due to the supply chain issue the customer got angry and did a chargeback for XXXX dollars. The bank ruled against my customer and in my favor, my customer sent me a copy of the letter he received from his bank stating they ruled against him, I sent you Square a copy of that letter three times and you are refusing to acknowledge it stating that the bank ruled in the customers favor, when we ask you for confirmation of that byway of either a letter or e-mail transcript from the bank you have refused every time. 
Your dispute team has suggested to recharge my customer card so you can fraudulently keep the fraudulent balance of XXXX dollars on my account. You also suggested that I take legal action against my customer to get the money WHAT?? What drugs are you on? To demand that I do any such thing to my client who has as well spoken to you and verified that his bank ruled against him. Therefore, after many attempts to resolve this matter you continue to refuse to clear that fraudulent balance off my account leaving me no alternative but to take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I got my car from Kings of Credit/American Car Center in 2021. My payments were always reported to the credit bureaus. They were shut down at the beginning of this year ( not too sure why ). After they were shut down, I started having to do my payments through a collection company called Westlake Portfolio Management. Since American Car Center was shut down, its been taken completely off my credit.. which I understand. But now my credit has gone down because Westlake Portfolio Management has not reported any of my payments. So not only is my credit score low, it now looks like Ive never had a car in my name. I feel like Ive been paying on this car for XXXX years while also trying to fix my credit all for nothing! I have nothing to show for it. But a low credit score. Can they do this??

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 2023-08-29 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: PA

Complaint narrative:
I have been a victim of identity theft and they tried to open a credit card in my name and my credit score has dropped significantly I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: RI

Complaint narrative:
Carrington Mortgage ( CM ) notified me both about a late payment and foreclosure. I had a total of {$70.00} overdue for a month. This was the result of an escrow analysis that was performed in the first quarter of 2023 an emailed to me. The email likely went to spam as I did not receive either a letter or phone call. 
I called on XX/XX/XXXX as a result of a letter from CM stating home was to be foreclosed. I called them for an explanation and they informed me I was behind by {$70.00}. My payment had increased by {$70.00} in XXXX to be applied in XX/XX/2023 moving forward. CM also reported me late for the month of XXXX, even though I had paid {$1600.00} on XXXX. CM explained shortage was taken from escrow account and I paid and additional amount of {$140.00} on XX/XX/XXXX, to account for the shortage in XXXX and XXXX. 

This late report is impacting my ability to obtain credit. The {$70.00} were taken out of escrow for the month of XXXX and I made an extra payment in XXXX to cover that. CM, please explain why I am being reported late. I have never had issues with any other mortgage service providers ; CM continues to conduct themselves egregiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: VA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute and request the Consumer Financial Protection Bureau 's intervention regarding recent unauthorized credit inquiries and violations of consumer protection laws. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking resolution to this matter. 

Below, I outline the unauthorized inquiries and the specific violations of the FCRA : Unauthorized Credit Inquiry by XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Relevant FCRA Section : Section 604 - Permissible purposes of consumer reports I have no recollection of ever authorizing the credit inquiry made by XXXX on XX/XX/XXXX. This inquiry was conducted without my knowledge or consent, and it has raised serious concerns about the security of my personal financial information. 

As a diligent individual who takes my financial responsibilities seriously, this unauthorized intrusion into my credit history has caused profound distress. The violation of my privacy undermines the trust I have in the financial system and jeopardizes my financial well-being. 

To provide a more comprehensive understanding of the impact this violation has had, I would like to share a personal story that underscores the significance of accurate credit reporting. A few years ago, I faced unexpected medical expenses that led to a temporary financial setback. However, I took proactive steps to address these challenges, working directly with my creditors to establish manageable payment plans. Despite my commitment to financial recovery, the unauthorized inquiry now threatens to undermine my progress. 

In light of these violations and their emotional toll, I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA. Specifically, I request that you investigate the unauthorized credit inquiry made by XXXX on XX/XX/XXXX, and take appropriate action to rectify this situation. 

Furthermore, I am troubled by the presence of unverified accounts on my credit report. These accounts lack proper verification and inaccurately reflect my financial history. I kindly request that the relevant creditors remove these unverified accounts from my credit report to ensure its accuracy and fairness. 

I deeply appreciate your attention to this matter and your dedication to upholding consumer rights. I kindly request that you keep me informed about the progress of this dispute and any actions taken to resolve it. Please feel free to reach out to me via the contact information provided above. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: Conn's, Inc.
State: TX

Complaint narrative:
I want to file this please as my formal complaint to CONN CREDIT CORP for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: NY

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I contacted Capital One Bank on XX/XX/23 because I had just gotten a direct deposit and needed the money. They let me take out {$1000.00} but refused to give me all my money. Because they were unable to verify a check that had been paid by my husbands bank. They also said it can take months to process this request. I just want my money and to never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Us auto sale went out of business and a collection agency has the loan and I did not authorize anything and the loan is not the right amount and I paying for Gap insurance and dont have it and a warranty that I dont have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: VA

Complaint narrative:
I was offered a deferral in XXXX they sent me this information after the date they were requesting payment by. I explained via email I had been laid off and would care for the debt in full when I get a new job. I also explained that the date they wanted me to have new payment in by and sign agreement for has already passed. XXXX of my contacts listed called me and informed they had called them XXXX times. I never gave permission for anyone to be contacted outside of my initial approval for said loan. Nonetheless I contacted them and informed of my previous communications and the agent was combative after I stated I didnt want any of my references to be contacted and to place me on the dont not contact list they stated they didnt have a list for that. Frustrated I disconnected and they proceeded to call me XXXX times back to back. This is my first step before I file a BBB complaint. I know I owe the debt and I will pay it as I informed them via email. However being laid off XXXX unable to do so at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of fraud and identity theft and hard inquiries were made which made me financially suffered. I did freezes all my credit bureau accounts since all the bad things happened. 
Of all started from XX/XX/2023. When I received a call from capital XXXX bank asking me if I have applied for any capital XXXX XXXX credit card and I told them no. But a hard inquiry was left over on XXXX of the XXXX report. 
We also filed a online police report because that's not the only thing that individual did. I received another call from XXXX XXXX that someone attempted to open XXXX new accounts and I have to come to bank to verify identity That individual withdrawn {$1700.00} and online shopping for almost {$400.00} which we got refunded. That's when I freezes my credit. The hard inquiries from XX/XX/XXXX to XX/XX/XXXX was from the same individual responsible for all hard inquiries on all three reports. 
showes XXXX items XXXX capital XXXX XXXX XXXX and XXXX. 
For Experian of showes few items On XXXX if showes XXXX items Like credit XXXX, credit plus, capital XXXX, XXXX XXXX XXXX was a letter received but I dont see on the report and few other items. I would need a report so I can submit to the bereus to her all removed thank you

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