vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NV

Complaint narrative:
I went to an atm to pull money from my chime credit builder account the atm malfunctioned during the process and said my transaction would be cancelled. However it wasnt the money was pulled from my account even though the atm said it would be cancelled. Ive reached out to both my bank and atm provider and neither are seeming to help. I dont have money to just give away

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase on XX/XX/2024 marked my account for Fraud they will not explain why. They will not tell me anything. They have marked my accounts for closure, in the meantime they will not let me touch my money, use my accounts in anyway what so ever. They said I have to wait 10 days for the account to close and then 7-14 days for them to mail me a cashiers check of the sum of my money. So I cant pay any of my bills and they are holding my money for 20-25 days and then -mailing- the sum of my money in an unsafe way through the mail!!! The only thing I did that I can think of is I sold a car for {$2500.00} cash. I know the cash is real because I brought the guy that I knew to XXXX  XXXX XXXX to get the cash and I directly went to my bank to deposit the {$2500.00}. I immediately made a savings account and moved the money into savings. I have called 3 times on XX/XX/2024 and none of the customer service reps will tell me why they are closing my accounts. I have been a customer for 10+ years. I went into Chase bank on XX/XX/2024 where the person in the bank also could not tell me why my account has been marked for fraud, he did get managers approval to give me {$3000.00} cash because he could see in my account that my house note and several credit card payments had been declined. I still have {$3500.00} in the bank and so far this has cost me over {$100.00} in return payments and late fees. Has reduced my amount at XXXX that I can have lent to me due to a returned payment. It is causing several problems with no explanation and holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Re-Investigation Dispute Letter Regarding Collection Complaint Dear Sir/Madam, I am writing to request a re-investigation of a collection complaint that I previously submitted to the Consumer Financial Protection Bureau XXXX CFPB ) regarding XXXXXXXX XXXX XXXX the collections company, and their association with the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/2024, I filed a complaint with the CFPB ( Complaint ID : XXXX ) outlining my concerns about the collection practices of XXXX XXXX  in relation to an alleged debt originating from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Despite my efforts to resolve this matter directly with XXXX XXXX, I have not received a satisfactory resolution or validation of the debt in question. 
I believe that there are inaccuracies and discrepancies in the collection process and reporting by XXXX XXXX, which warrant further investigation by your office. Specifically, I am disputing the validity and accuracy of the debt they are attempting to collect from me. 
I respectfully request that the CFPB conduct a thorough re-investigation into this matter to ensure compliance with all relevant consumer protection laws and regulations. I am seeking clarification on the following points : *Verification of the debt 's validity and accuracy. 
*Documentation proving XXXX XXXX  's legal authority to collect on behalf of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

Any supporting evidence or documentation related to the alleged debt. 
I appreciate your attention to this matter and trust that the CFPB will conduct a fair and impartial review of my dispute. Please provide me with updates on the progress of this re-investigation and any findings or resolutions reached. 
Thank you for your prompt attention to this request. I look forward to a swift resolution of this dispute. 
Sincerely, 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Re-Investigation Dispute Letter Regarding Collection Complaint Dear Sir/Madam, I am writing to request a re-investigation of a collection complaint that I previously submitted to the Consumer Financial Protection Bureau XXXX CFPB ) regarding XXXX XXXX XXXX the collections company, and their association with the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
On XX/XX/year>, I filed a complaint with the CFPB ( Complaint ID : XXXX ) outlining my concerns about the collection practices of XXXX XXXX  in relation to an alleged debt originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my efforts to resolve this matter directly with XXXX XXXX, I have not received a satisfactory resolution or validation of the debt in question. 
I believe that there are inaccuracies and discrepancies in the collection process and reporting by XXXX XXXX, which warrant further investigation by your office. Specifically, I am disputing the validity and accuracy of the debt they are attempting to collect from me. 
I respectfully request that the CFPB conduct a thorough re-investigation into this matter to ensure compliance with all relevant consumer protection laws and regulations. I am seeking clarification on the following points : *Verification of the debt 's validity and accuracy. 
*Documentation proving XXXX XXXX  's legal authority to collect on behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Any supporting evidence or documentation related to the alleged debt. 
I appreciate your attention to this matter and trust that the CFPB will conduct a fair and impartial review of my dispute. Please provide me with updates on the progress of this re-investigation and any findings or resolutions reached. 
Thank you for your prompt attention to this request. I look forward to a swift resolution of this dispute. 
Sincerely, 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 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My original complaint against Paypal is # XXXX. I received a relatively satisfactory response but the written message was contradictory in content so I have asked for clarificatoin. 

In the meantime I have discovered that XXXX is an interfacing company between Paypal and its customers that validates customers ' accounts by logging into them. 

I found this out when XXXX attempted to log into my bank accounts XXXX times over the weekend and failed each time. I thought this was an attempt at theft of my money. I could not call the bank as it was not open until Monday morning. The information in the failed attempts emails was very unclear. 

When I asked various paypal employees about XXXX they confessed they did not fully understand how the more granular functions of paypal and customers ' monies work. 

Also I could not find Paypal 's terms and agreements at first but did eventually find them deeply embedded in paypal 's website. In those terms I do not believe XXXX is mentioned anywhere. I saw paypal XXXX XXXX XXXX XXXX which all might function similarly to XXXX. but I am unsure. 

also it appears to me that nowhere in those terms and agreements is a statement that spells out the fact that paypal 's partners may in fact log into customers ' accounts at any given time. The information about this function suggests it could occur but nowhere is it clearly stated login is required or what its purpose is. I can surmise what it is but all together I believe the information is deliberately shrouded. 

Terms and conditions or agreements should be made clearly available at all times. to customers XXXX should be listed as a third party vendor or partner and regular logins to customers accounts should be clearly stated is a requirement and exactly how that is done. It took me several days to surmise and then get confirmation XXXX was in fact the entity that tried to log into my bank accounts. Paypal customer service personnel should be more efficiently trained and ready to share this critical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

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 2024-03-14 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act all accounts listed with this consumer reporting agency " XXXX XXXX '' has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 
I have reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number XXXX. XXXX XXXX assumed this role without permission not only that they did not have my consent. XXXX XXXX did not respect my right to privacy which is under 15 USC 1681 a number XXXX. XXXX XXXX did not exercise grave responsibility, they were unfair, they were partial. Im taken the liberty to file a CFPB report and an attorney general 's complaint. XXXX XXXX never had permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place. 

Attached are Denial Letters from XXXX & XXXX both of which denied me access to my credit report after submitting all necessary documents. After years of failed attempts, failed phone calls its time to be treated fairly and not unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I called my mortgage bank in XXXX to let them know my wife was being moved to hourly and our income would dramatically drop. They started a hardship program for a loan modification application. 

During the application process multiple customer service reps at the bank told me NOT to make any payments. They said " it would mess wit the numbers and the modification group would take longer ''. 

I finally made a payment in XXXX against their strong objections in fear of losing my home. 

The flex modification that they approved and sent would make my loan 40 year and only {$100.00} cheaper per month than my original loan. 

While trying to look at refinance options my credit shows 2 month non payment on mortgage and no company would offer me a refinance loan. I then asked the Nationstar Mortgage bank on XX/XX/24 if they would refinance with the credit showing that and they said no. 

I do not see how they can tell me explicitly to not pay then penalize me for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
There's been 2 unauthorized charges on my account, this caused an outstanding balance which I was unaware of causing a delinquency to be reported on my credit report. After that I called XXXX XXXX, and they said they'd investigate but I never heard back. 

Also sent them a letter with no response, filed a dispute with Experian and the delinquency was removed, next cycle it was re-reported again and now XXXX XXXX rejects to take it off and is not responding to written correspondence.

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