vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-08 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning allowed XXXX XXXX  XXXX XXXX XXXX  to open a checking account, savings account, and Money Market Account ( s ) In my name without my permission. XXXX XXXX Sent a letter to me stating I am not liable for these account 's and they closed these due to identity fraud/theft. However when Requesting Early Warning to complete an investigation and to block this information from my Early Warning Consumer report, they blocked the information and sent a letter one day later saying they have rescinded the block. It says it was blocked in " error '' On the next page it says if you have further questions or want information that Early warning does not have this information please reach out to XXXX. For XXXX, I did not open any account 's with XXXX XXXX or Their subsidiary XXXX XXXX. I have not opened a Cashback Debit, I did not open any money markets and I did not open any Savings account with XXXX or their Affiliates. These account 's were created and opened by XXXX XXXX  and it appears Early Warning is siding with XXXX yet DOES NOT HAVE ANY VALIDATION all they have is XXXX Telling them that I opened the account and I am liable for the FALSE information they are reporting. I did not receive any debit cards from XXXX, I have not been mailed any Account application 's and I did not use these accounts or their services. I do not accept Blocks being rescinded BASED ON EARLY WARNINGS MATERIAL MISREPRESENTATION. Early Warning Refuses to send me a copy of my consumer disclosure. Additionally, I am a victim of Identity Fraud, and Early Warning is a company that provides a consumer reports to banks to determine my banking history, and This information from XXXX IS FALSE. Falsely reported, and False information. I do not have account 's with this company nor have I ever. I did not apply for these account 's I did not authorize XXXX to access my consumer disclosure nor my credit reports. XXXX Is creating a sham and Early Warning is biting into it. XXXX Fraudulently used these account 's XXXX Fraudulently opened these account 's and applied for them. It's clear Early Warning does not conduct investigations and instead blames the victim of identity theft for the fraud occurring. XXXX Is reporting inaccurate information on my consumer report and Early Warning is in agreeance with it, and instead of providing information Early WArning 's Letter states they do not have any information to contact XXXX XXXX. I will not be contacting XXXX XXXX because I do not do business with this company. I have not autorized ANY Accounts to be opened in my name without my permission, and that's exactly what XXXX did. Nor did they ever send me any information on these account 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I would like to notify following incident at your shop, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, NJ XXXX. I bought a blanket of XXXX by the price of {$24.00}. I tried to check the price at the website of XXXX, but I could not check it because of the internet problem inside of the shop. After I paid with the reward certificate of {$20.00}, which your company must have sent to me by email to answer my claim for refund of my unusable gift certificates in total {$20.00}. Then, I checked the price of my blanket at the website of XXXX and found out that tapestry blanket costed more than {$150.00}. I was so happy with this purchase, since the blanket was so soft and warm. However, after I returned to home, I realized there was another price sticker of {$19.00}. It is regrettable not to be able to know how much was in the shop, but I have decided to consider I have gotten this wonderful and comfortable blanket by the price of {$25.00} instead of {$150.00}. However, I believe it is necessary to inform your company this discrepancy of prices for future purchase. 
Sincerely,

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/2023 I received a call regarding supposed late payments on a XXXX XXXX issued by my Umpqua Bank  ending in XXXX. I have an excellent history with this bank. It was discovered that all statements on this account were being sent to the wrong address for the first 3 months I owned the card, and late payments were falsely reported to the credit bureaus.I was told by the agent at the phone number on the card ( XXXX ) That ELAN manages the account for Umpqua, and that due to the wrong contact information there was definitely enough evidence for me to file a dispute. All late fees were immediately removed by that agent and I paid the entire entire balance of {$310.00} that day. This same agent helped me write a letter to their Dispute Department and gave me the fax number to send it to. I was told that if I wrote this letter explaining what happened to the XXXX XXXX department that the false reporting would be removed from all credit bureaus within XXXX weeks, and I would be notified via email. 
I wrote that letter ( attached ) and faxed it on XX/XX/2023 to this fax number : XXXX. While applying for a personal loan last month, these lates showed up on all three major credit reports. I called ELAN to find out why they had not notified the credit companies and they said that there was no record of ever receiving my first letter and that nothing had been done. 

I immediately wrote a second letter ( see attached ) that said URGENT, and explained all over again what needed to be done. I faxed it to the same fax number as the first one asking for verification that they received it and got no response. They have no direct line to call. One week after sending the second fax I called ELAN back and they confirmed that the account was now in dispute status. I have zero confidence that they will resolve this in a timely manner so I am filing a complaint here.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I was buying the car the car was suppose to be shipped to me it has been over 2 months bill has occurred and still havent received car dealer became unresponsive after the check has cleared so Im stuck with no car And loan in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Someone took a lease under my bank account information, such as routing number and account number. Chase has confirmed that my account has been compromised. I'm almost positive that my social security number is compromised as well. I have no idea how my information is being leaked. This is an reoccurring problem in multiple parts of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CBC Companies, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX INNOVIS ET ALL AND ALL AFFILIATES XXXX XXXX XXXX XXXX, GA XXXX I tried ordering my file from Innovis back in XXXX of XXXX. I am now OPTING OUT indefinitely from any and all reporting and intend on recouping for all Violations monetarily. 
Violations of the Privacy Act of 1974 which prohibit the disclosure of information from a system of records absent the written consent of the subject individual.

5USC552 includes my rights and your restrictions as it pertains to Privacy restrictions in Federal and Court documents. Ex Bankruptcy and Child Support.

15USC1681a ( 2 ) ( A ) ( i ) says that a Consumer Report does not include a report containing information solely as to transactions or experiences Between the consumer and person making report.

15USC681a ( 2 ) ( A ) ( ii ) says it doesnt include information among persons related by common ownership of affiliated by corporate control.

15USC1681s ( 2 ) ( a ) ( 7 ) and 12CFR1022.1 ( B ) ( 2 ) ( ii ) requires that I receive a notice, And given the opportunity to opt out or dispute and negative information before it is put on my report. I have never been given a notice with said information, nor permission to report.

12CFR1022.21 ( a ) says eligibility information can not be used unless consumer is provided a reasonable opportunity and a simple method to opt out and has not opted out.

12CFR1022.24 requires it to be by mail or email and by including a privacy notice.

12CFR1022.25 says that it does not include requiring that I the consumer have to write a letter, to call, or to write to obtain form, making it only able to opt out by paper mail, or by visiting another website without providing a link to the site. ( Your own website claims that I can not opt out, and also requires a written notice in order to attempt to do so ).

12 CFR 1022.22 ( 5 ) ( C ) says I may opt out at any time.

Per the FCRA as a federally protected Consumer, I am now Opting out Indefinitely out of any and all authorization that I the consumer may have given Knowing or unknowingly, written or verbal per 15 USC 6802. 12 CFR 1022.

15USC1681n ( b ) and 15 USC1681n ( 1 ) ( A ) allows for me to recoup damages from violations at {$1000.00} per Violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank had closed my joint account and business account without giving me any reason whatsoever. I also believe JP Morgan Chase Bank is involved in several attempts to deny me access to information based on scam I reported to their Branches. My two accounts were closed, and I have been scammed by individuals in the United States and working abroad. The Bank refused to provide me with any assistance and asked me to report the case to the XXXX, which I did. I seek to get refunded for the amounts I was scammed in which JP Morgan Chase refused to assist me. I was also told by the Bank that my business account will be closed based on a fake check that was sent to me and the company that reported the issued check to me have refused to collaborate on the investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I hope everything is well. I'm writing due to issues with a refund for a canceled flight from XXXX, charged to my Wells Fargo account. 

On XX/XX/2023, I purchased a flight through XXXX to XXXX via XXXX 's partnership with XXXX for {$790.00}. However, I was notified immediately after the purchase that XXXX of my connecting flights had been canceled. I then was offered the option to cancel my flight for a full refund, which I accepted. I was then sent a confirmation of my cancellation on the same day, with a promise that the price of the flight would be refunded within XXXX billing cycle. 

However, the {$790.00} was never refunded. I reached out to XXXX and was told that it was an issue with my bank ( Wells Fargo ), and that I would need to open a claim with them. I submitted the claim, but after XXXX months was notified that it had been declined. When I spoke with a Wells Fargo representative, I was informed that they had reached out to XXXX and were told that all flights were non-refundable. 

When I contacted XXXX about this issue, they told me that on their end the refund had been completed and there was nothing they could do from their side. They said that Wells Fargo had filed the claim incorrectly against XXXX. Wells Fargo, on the other hand, has told me there is nothing they can do either as the fault is with XXXX according to them. 

After months of going back and forth between Wells Fargo and XXXX, I have been unable to connect representatives from both sides in a call and resolve this issue. The {$790.00} still has not been refunded. If possible, I would like to submit this complaint in the hopes of finally receiving the refund promised by XXXX. Thank you very much.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

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 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NE

Complaint narrative:
I'm paid up through XXXX of 2024 and have never been late on payments they blame there billing depth. And report me to the credit agencies as always being late which is false and they've hurt my credit report! They charge fees that are not in the contract they haven't paid my taxes and insurance through my escrow account and have caused my home owners insurance to be dropped and sent to collections!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: NC

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report. I have identified those inquiries that I did not authorize.

Company response to consumer: Closed with explanation