vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn . : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( XXXX, XXXX, Experian ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, my personal information being reported is inaccurate My only name is XXXX XXXX, Date of birth XX/XX/1994 Address : XXXX XXXX XXXX XXXX Ga XXXX In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the rights 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 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. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( mo ) 281 Sw 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my report to buy a car and I seen frivolous amounts of inquiries on my report that I did not authorize nor recognize here is a list from XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My Capital One checking account number XXXX has been frozen since the end of XX/XX/2023. When I call the number as instructed all I get is a recording and no one returns my calls. When I do talk to a representative they transfer me again to the recording I can not speak to a live representative as to the status of my account and why it is froze and I do not have access to my funds. This has been going on in Access of 3 months without a word from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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: NC

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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Description X 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Description X 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters

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 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXX XXXXXXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a credit card from Bank of the West on XX/XX/XXXX for an account that was opened on XX/XX/28. I attempted to close the account with the bank but I am suspicious of the number that was provided. I received the card at my home. When speaking to the Customer Service Representative they were obstructive and continued to ask for further information. I was told that I would receive a letter to document the closure of the 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 explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IL

Complaint narrative:
Impersonated lawyer as to collect on a debt I have no clue about. sent in debt validation letters that were ignored and returned with continuous calls at work and my personal phone. harassment was throughout the day 7 days a week after letters were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
XXXX has Called before XXXX and after XXXX sometimes 3 or 5 a day. I have been threatened that the account would go into collections and my vehicles would be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I bought a XXXX XXXX in XXXX of 2022 from XXXX of XXXX. I got financing through Ally Financial. I got behind on payments after I XXXX XXXX XXXX last summer. The front end of the car was relaced. Insurance paid for the repairs. But I lost out on work and it snowballed. I called ally financial to ask for a hardship help when I first got behind. I was told they don't offer any hardship help. I had made arrangements to pay what I could to keep from Repossession. When I went to pay I realized they locked me out of my ability to pay through my bank. I have had no problem paying through my bank before, it's a good standing account. I called Ally financial and they " moved '' my account and said I had to pay through XXXX XXXX or XXXX XXXX to a separate ally financial account that's not attached to me in any way. I requested they restore my ability to pay through my bank because I can not use XXXX XXXX  or XXXX XXXX I offered to make arrangements to surrender the car and I was told I can not and to wait for Repossession. They repossessed the car on XX/XX/XXXX at XXXX XXXX. The repo agents did not have any paperwork for me either. I don't think I was treated fairly in this matter. I was barred from being able to pay through my banking institution, and was told I couldn't surrender the vehicle. Nowhere in my contract does it state they can change the way I pay my loan.

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 2023-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage loan was transferred to Nationstar mortgage llc dba Mr. Cooper, which also assumed the service to pay my home insurance through my escrow, on or around XX/XX/XXXX. With no issue, they paid my home insurance policy XXXX, on or around XXXX XXXX, XXXX. 
However, fast forward to XXXX my policy XXXX was not paid when due, on or around XX/XX/XXXX. Mr. Cooper requested verification of hazard insurance on property or they would buy insurance for my property at a higher cost, so I provided the policy multiple times. So did my home insurance company. 

I got another letter from Mr. Cooper requesting Insurance Info so I sent another copy of the policy to them & then I noticed my name wasn't on the policy ( just my husband 's, which he is on the mortgage & title of property ) so I had my name added, on or around XX/XX/XXXX. 
Not sure why this would stop them from paying my insurance but I did it anyways for peace of mind. 
Insurance company sent copy of this change with payment due to Mr. Cooper, on or around XX/XX/XXXX. I received no calls or letters from Mr. Cooper so I assumed all was well. 

Come XX/XX/XXXX, Mr. Cooper still didn't pay my insurance and my insurance was cancelled. I called Mr. Cooper and spoke to a couple of reps with no success to resolve the issue. They didn't even know how to answer me on why my insurance was not paid. 
My Insurance company would not reinstate nor re-write my policy due to the length of time the policy was not paid. This forced me to get quotes for a whole new policy in which some were hesitant to provide due to this lapse in non-payment of policy. 
I received new policy but they would only start it from the date of write-up XXXX. Now Mr. Cooper has charged me {$2900.00} through escrow ( double the cost of my current policy ) for the lapse in coverage. 
Why would I be liable for this when it was due to their negligence and fault on why I have a lapse in coverage? Wouldn't Mr. Cooper be liable for any gap in my insurance as they did not pay out of what I already had in my escrow account for my home insurance policy ( XXXX thru XXXX ) that I already had in place and they received document from insurance company that it needed to be paid multiple times? 
I've already sent multiple emails and letters to the company with no resolution. Only response is regurgitated docs that we already know but no response to the specific issue. 

I have the formal complaint letter sent to Mr. Cooper and will provide if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In late XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX credit card and approved on XXXX XX/XX/XXXX. At the time of application the card was offering 2 XXXX tier-qualifying night credit for each eligible night stayed from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX for applying and getting approved for the credit card by XXXX octber XXXX. Between XXXX XX/XX/XXXX and XX/XX/XXXX I stayed 14 eligible nights with XXXX and never recieved any double tier qualifying nights. I reached out the chase about the issue in late XXXX and was told that I will recieve my tier nights will on my next statment closed date in XXXX. After I did not recieve my tier qualifying nights I reach out again and was told " Qualifying tier nights can only be earned on nights stayed and paid with the credit card '' this language was not found anywhere in application or in the promotional details, only requirement stated was that I open and get approved for the account by XXXX XX/XX/XXXX. I requested chase send me proof of that the language was in the application but never recieved anything. I reached out to chase again again on XXXX XXXX as the reason for rejecting my promotional benefits was incorrect and was told " The offer you are inquiring is only for accounts open XX/XX/XXXX XX/XX/XXXX and can not be manually applied. '' which was also incorrect as the promotional offer ran from XX/XX/XXXX to XX/XX/XXXX. I reached out the XXXX providing chase the promotional details of the offer showing it ran from until XXXX XX/XX/XXXX and was told that " those terms where incorrect and is from a XXXX offer '' which is also incorrect as the credit card was announced on XX/XX/XXXX. On XXXX XXXX I reached out to chase to inform them of the mistake and was told they will no longer be responding to this inquiry. 

As part of my sign up promotion there was a also a XXXX bonus point after completing $ XXXX in purchases in 3 months. I recieved that portion of the offer and im not inquiry about that portion of the offer.

Company response to consumer: Closed with explanation