vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
They have the wrong information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting. The report contains inaccurate information and company failed to provide the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting. The report contains inaccurate information and company failed to provide the information I requested.

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 2023-12-06 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

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 2023-12-06 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Have not received any information as to the status of my accounts in relationship to the recent settlement. 

I have contacted the bank and they told me they could not help me find out the status as to whether or not my accounts are impacted. They said I would have to do that on line which I thought might be disinformation or poor customer service at best. 

All i would like to know is if my accounts are applicable to the settlement and what are the next steps. 

Thank you for your time an attention

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 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
They continually have called my phone number sometimes till XXXX at night. They ask me for my personal information. Is it me they are speaking with, what is my address, etc. they would not give me any information about original creditor other than they are with Midland Credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Our mortgage was recently sold from XXXX XXXX to Mr. Cooper mortgage company. Since the transfer, our monthly payment went from {$2100.00} to {$2700.00}. Their escrow " cushion '' is exponentially higher than any other mortgage company right now, I believe they are charging more than they are legally allowed to compared to what our escrow payment actually is. They demand over XXXX more than necessary to be in the escrow account as a " cushion '' as they say. They refused to give us the information on the details, and would only send us the information that was from XXXX XXXX. Nothing from their actual company. They then said they could lower it to XXXX but only with another XXXX in the account. So that was done and they said they would re run the analysis to lower the payments and they lied and never did it so they kept wanting to charge us the XXXX. I believe they are stealing from people and they have definitely been stealing from us, being dishonest, impossible to reach at times and using their " cushion '' to invest in other things while we struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My husband and I have been HUGELY profitable customers of Chase for over 30 years carrying high balances, an active HELOC and at one point a mortgage. In exchange for their earning huge profits on our high balances and paying a pittance in interest they gave us free checking. Wow. For the last few months my balance in one of the accounts fell to the point where they began charging $ XXXX. Contacting them for relief there was ZERO understanding of the fact that we have been long time, highly profitable and loyal customers. They deferred to the fine print buried deep inside their XXXX XXXX XXXX as a reason why they were under no obligation to refund fees. 

Chase is earning record profits. 

Why do the regulators allow them to continue to treat their customers XXXX XXXXXXXX? 

They should not be allowed to rely upon XXXXXXXX XXXX XXXX mailed eons ago ( or worse, sent via email which noone reads anyway ) written in mouse type as a reason to justify their taking advantage of customers and milking our accounts for money that goes to XXXX XXXX and his minions in outrageous bonuses. 

Why don't you hold them more accountable? 

PS part of the reason I decided to send this complaint is that, as a former banking executive, I know they will be put through the hassle of having responded. Had they treated me with some respect and fairness it would have cost them less money and hassle, and I would not be bad-mouthing them to anyone who will listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to express my deep dissatisfaction and concern regarding Portfolio Recovery Services LLC ( PRA ) handling of a debt validation request and their subsequent reporting on my Experian consumer report. My attempts to rectify the situation through correspondence have unfortunately proven futile, prompting me to escalate this matter and file a formal complaint. 
On XXXX XXXX, a debt validation letter ( Exhibit A ), seeking clarification on the reported debt of {$870.00} on my XXXX consumer report was received by PRA. Regrettably, PRA responded with an unsigned letter ( Exhibit B ) & ( Exhibit E ) asserting the validity of their claim, accompanied by misleading and confusing information. The key issues with their initial response are as follows : PRA 's response contained conflicting statements, as they asserted to be both the current creditor and a debt collector. This contradiction raises concerns about the accuracy and transparency of the information provided.

Despite my explicit request in the debt validation letter for a breakdown of the amount owed, PRA failed to provide a clear breakdown of how they calculated the debt. Instead, they supplied eight random statements with varying balances, ranging from {$490.00} to {$830.00}. This discrepancy further adds to the confusion and misrepresentation of the debt in question. The alleged demanded debt is being reported with a {$870.00} balance, but no proof of this calculation was presented in their documents. 
Subsequently, on or around XX/XX/XXXX, I submitted a second letter ( Exhibit C ) to address these issues and request a thorough investigation. However, PRA, in their response, ( Exhibit D ) not only refused to investigate but also insisted on continuing to report unverified and adverse information on my consumer report.

The continued reporting of inaccurate and unverified information by PRA has resulted in credit denials and severe financial stress for my personal business. It is my firm belief that as a consumer, I am now a victim of PRA 's ongoing violations of the Consumer Financial Protection Bureau ( CFPB ) order mandated in XXXX ( CFPB XXXX XXXX ). No Contract exists between me and PRA, also this debt is an alleged debt that PRA has chosen to pursue without a lawful claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: AR

Complaint narrative:
I am a victim of identity theft. My disputes are not being filled correctly and my paperwork and my FTC report is not being attached to my disputes. I am not getting copies of the verification process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I spent 3 hours on a chat with two representatives from Citi to understand why I had been charged interest on purchases made within my current billing cycle. To provide background, I transferred {$7000.00} at 0 % through XX/XX/XXXX on XX/XX/XXXX. This billing cycle ended on XX/XX/XXXX, with a due date of XX/XX/XXXX, and I made a {$1000.00} payment on XX/XX/XXXX. Additionally, I enrolled in a special rate offer of 3.99 % on XX/XX/XXXXXXXX  through XX/XX/XXXX. 

During the billing cycle of XXXX  I made several purchases totaling {$3000.00}. The due date for this bill is XX/XX/XXXXXXXX  ( I have made {$3100.00} in payments prior to the due date ). When reviewing my bill, I noticed I was charged {$6.00} in interest. The interest is based on a balance of {$1700.00}. 

When chatting with a representative, XXXX, and the supervisor, XXXX, I was given different answers as to why I was charged interest. I was told I was charged interest for not paying off my balance transfer in full. I was told I was charged interest because I made a payment before the statement was generated. I was told the purchases were made before I enrolled in the special rate offer. Lastly, I was told I was charged because I took advantage of the balance transfer offer, subjecting me to interest on all purchases. It is apparent that I still don't understand why I was charged interest on {$1700.00} or what that amount represents. 

My questions are : 1. What is the {$1700.00} balance that was charged interest? 
2. Why was I charged interest on purchases made during the billing cycle?

3. Is any of the information that was provided to me true? 

Being charged interest immediately upon using the card is deceptive. Additionally, I feel the supervisor did not take my concerns seriously. The information received lacked detail and was inconsistent. Furthermore, when I asked to speak to a supervisor or have a contact number to continue this conversation, I was told to call the Customer Service line to start this all over again. I've been a Citi customer for 15 years and have never been treated this way. I am appalled and disappointed. Yet the supervisor asked me to treat the service I received today as an exception!

All of this is documented in a chat which I expect Citi has retained. I have screenshots of the conversation available upon request. I look forward to a response.

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 monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: OK

Complaint narrative:
Elan Financial Services had a promo : Earn up to 20 % more Cash Back ( up to {$20.00} ) on purchases after you spend {$50.00}. * Enroll by XX/XX/XXXX, and eligible purchases made from XX/XX/XXXX - XX/XX/XXXX, will count toward this offer. 

I completed well over the required threshold to earn the full {$20.00}. My account was never credited the {$20.00}. I attempted to resolve with their customer service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ultimately being told they dont understand why Ive not received credit but still wouldnt credit it so I requested to close this account. According to XXXX reviews, a lot of customers recently have had negative experiences with this company. I then receive a response 5 hours later after requesting card be closed that it may be credited the following month but I was told that for the previous month. Just more nonsense. A customer service specialist reached out and when I responded letting them know Id be filing this complaint, there was no response.

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