vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Subject : Identity Theft Notification Dear XXXX Customer Service, I am writing to formally report an incident of identity theft involving my account with XXXX XXXX. My FTC number is XXXX. 

I recently discovered that my personal information has been used without my consent. I never applied for any credit with XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX - Account Type : Revolving account XXXX  - Account Type - Detail : Revolving account Credit Card - Bureau Code : Individual account Individual - Account Status : Closed Closed - Monthly Payment : {$0.00} - - Date Opened : XX/XX/year> XX/XX/year> - Balance : {$0.00} - - No. of Months ( terms ) : - Revolving - High Credit : {$880.00} {$880.00} this company. I want this to be removed from my credit report, because this is FRAUD I have filed an FTC report XXXX ACCOUNT NUMBER XXXX Please let me know how you would like to proceed in resolving this matter. I appreciate your prompt attention to this serious issue. Thank you for your cooperation. 

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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
ADJUSTABLE Mortgage Rates PICK-A-PAYMENT LOAN On XX/XX/XXXX, I received a letter dated XXXX, The letter read as follow ( Change to your Mortgage Interest Rate on XX/XX/XXXX and payment on XX/XX/XXXX ) then another letter dated XXXX XXXX rate increase. Old mortgages payment {$1800.00} New Mortgages Payment {$2200.00}. 
Borrower ; was not given in a timely fashion notice of interest rate increase nor payment change, subject to the general rules, the section 1026.20 ( d ) disclosure must be sent at least XXXX but no more than 240 days ( about 8 months ) before the first adjusted payment is due. And the section 1026.20 ( c ) disclosure must be sent at least 60 but no more than 120 days ( about 4 months ) before that adjusted payment is due i contacted a realty estate attorney who seemed a letter to the Mortgages Company on my behalf. as of XX/XX/XXXX still waiting to receive a correspondence letter. 
after researching pick a payment loan I discoveryhundreds of thousands of borrowers '' who entered into pick-a-payment mortgages with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX and was itself acquired by Wells Fargo at the end of XXXX Pick-a-Payment Mortgage Loan Class Action Settlement. Wells Fargo to settle lawsuit over pick-a-payment Loans violated federal truth in lending laws. 
moreover, more specifically, Wells Fargo customers who had either an auto loan, mortgage loan or bank account between XXXX XXXX were affected and may be eligible for a payout. Wells Fargo Mortgage Loan Borrows ( Some borrowers were incorrectly charged fees or other cost ). I too was a Wells Fargo Bank Account Holders and mortgage loan holder doing the year of 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 2024-10-21 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: CA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the mentioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2024-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, someone who knows me called up Chase bank in the middle of the night, and also XXXX, two banks in which I have savings accounts that are only in my name. That person fraudulently impersonated me, using my SSN, and also other private information and passwords.

During a telephone call, this person requested a telephone transfer of {$150000.00} from my personal savings account at Chase bank, on which I am the only signature, and had those funds transferred to a joint account in which we both have access to.

Immediately upon the transfer of those funds into the joint account, this impersonator removed all of the {$150000.00} from the joint account, into his business account, to which he is the sole signature, and then removed the entire amount out of Chase bank via cashier 's check.

I have the actual phone call of the impersonation and the telephone wire, I have all of the documents from various bank accounts to indicate how the money and where the money traveled, and I have a XXXX cellphone bill records indicating who made that call to Chase bank.

I filed a police report and I also filed a complaint with Chase bank, providing them all of this information. Chase bank indicated that it does not fall under their definition of fraud.

According to the law, the bank is FDIC insured and legally responsible to return money that was fraudulently removed from my account.

I am now reaching out to the cfpb to assist me and protect me from this fraud, and to reach out to the bank to take responsibility for the incident of allowing someone unauthorized to access my account.

The impersonator was intentionally trying to fraud the bank and to remove my money from my account, as he did the same thing at XXXX, to which I will also be sharing the evidence of those subpoenaed phone calls.

I am attaching the following documents : Chase phone call impersonation ( ** this file is too large to attach here, it's over 10 MB ) 3 subpoenaed phone calls from XXXX for impersonation on the same date ( ** this file is too large to attach here, it's over 10 MB ) XXXX cell phone bill, scroll down to page XXXX to see phone calls circled in red Money originating from my Chase bank savings account ( bank statement indicating " telephone transfer '' Joint bank account at Chase bank where the {$150000.00} went, also identified by " telephone transfer '' Business account of XXXX XXXX, where the {$150000.00} then traveled. 
Cashiers check for the amount of {$150000.00} The check deposited and bank statement in a new bank ( XXXX XXXX ) Police report filed at time of incident

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These names are not correct on my credit report. 

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 2024-10-21 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: GA

Complaint narrative:
These names are not correct on my credit report. 

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 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check from my husband on Friday the XXXX of XXXX and it has not cleared since. My husband got a message on Thursday the XXXX to verify that he had indeed written the check- which he confirmed on the phone to the Bank of America agent. Yet the funds are not available. I called Bank of America again and they said it is ok hold as they are not sure it will clear. My husband called his XXXX XXXX  and they confirmed it was cleared on XXXX XXXX itself. 
Our money is lost between the XXXX banks with no one saying when it will be either returned to XXXX  or deposited in Bank of America

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 2024-10-21 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Account Name : XXXX Account Number : XXXX Date of Charge XXXX Amount : {$0.00} I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I've been TRYING to question for several years how my student loan that started around XXXX  XXXX to XXXX  XXXX is now XXXX times more!!! 

Even with employment layoffs, deferments, should never be this high! 

I've attempted to pay down multiple times and high-ass interests is increasing loan more- & -more monthly If I live to XXXX, I'll still be paying off this XXXX loan! 

Need student loan accounts looked at with more respectable payoff Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please note that my information was used without my consent. 

An account under collection is reported as XXXX XXXXXXXX XXXX  Also inquiries which I did not authorized 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 XXXXXX/XX/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 2024-10-21 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: FL

Complaint narrative:
I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss. 

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
I am writing to formally request the deletion of inaccurate information on my Experian credit report concerning XXXX XXXX XXXX account XXXX. This account has already been deleted from my XXXX credit report and should therefore also be removed from my Experian report.

According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, under 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccuracies on their credit reports, and the credit bureau must reinvestigate the accuracy of the disputed information. 
The presence of this XXXX XXXX account on my Experian report is a clear discrepancy, as it has already been verified and deleted from my XXXX report. I have attached a copy of my XXXX credit report reflecting this deletion for your reference. 
Please take immediate action to delete this inaccurate information from my Experian credit report. I expect confirmation of the deletion within the legally mandated time frame.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/XXXX. SUNDAY. XXXX. WHEN I TRIED TO OPEN A NEW ACCOUNT WITH YOU WITH MY NEW NAME YET ANOTHER EMAIL ADDRESS AND MY NEW PHONE NUMBER THAT I HAVE CHANGED SEVERAL TIMES BECAUSE OF IDENTITY THIEVES AND NOT BEING HELPED I WASN'T ALLOWED SO I HAD TO REVERT TO MY VERY FIRST EMAIL ADDRESS I DON'T LIKE TO USE BECAUSE OF THE IDENTITY THEFT ISSUES I AM STILL HAVING TO THIS DAY. 

MY COMPLAINT IS AGAINST CHIME REFUSAL OF NOT ALLOWING ME TO CANCEL MY ACCOUNT OF WHICH THEY HAVE MY SOCIAL SECURITY NUMBER AND I KNOW FOR A FACT I AM BEING USED FROM THE PAST TWO JOBS WHICH WAS CALL CENTERS REGARDING XXXX XXXX XXXXXXXX AND NOW XXXX BOTH THROUGH AND XXXX XXXXXXXX XXXX XXXX RIGHT HERE IN XXXX XXXX NEVADA I NO LONGER EMPLOYED MYSELF WITH THESE INDIVIDUALS WITH THIS COMPANY FOR THE SIMPLE FACT THESE TWO COMPANIES FEEL LIKE THEY CAN TAKE YOUR PHONE OUT OF YOUR LOCKER THAT THEY HAVE A SIGN AND STEAL YOUR INFORMATION NOT ONLY THAT THEY STEAL YOUR FOOD NOT ONLY THAT THEY COME IN YOUR HOME.

SO I DID NOT WANT TO BE AFFILIATED WITH THESE PEOPLE WHATSOEVER NOT ONLY THAT THEY ARE TRYING TO STOP ME FROM BEING ABLE TO WORK ANYWHERE ELSE AND TAKING MY RESUME AND PUTTING IT ON SOMEONE ELSE. 

WHEN I SPOKE TO THE INDIVIDUALS THAT ARE EMPLOYED BY THESE PEOPLE THEY MAJORITY HAVE CHIME BANK AND THEY WERE COMING AT ME AS IF I AM A PART OF CHIME BANK WHICH I AM NOT AND WAS MESSING WITH THE BANK I HAVE AS IF IT WAS CHIME BANK. 

I AM REQUESTING THAT THESE PEOPLE REMOVE MY INFORMATION REMOVE MY SOCIAL SECURITY NUMBER I AM REPORTING THEM RIGHT NOW AGAIN NOT ONLY TO YOU BUT I'M PUTTING THEM ON THE XXXX XXXX XXXX REPORTS THAT I HAVE BEEN REPORTING TO REGARDING THE IDENTITY THEFT MULTIPLE ISSUES THAT I ENCOUNTER BECAUSE OF XXXXXXXX XXXX NOT ALLOWING ME TO HAVE MY STOCKS MUTUAL FUNDS AND MONEY MARKET ACCOUNT THAT I BUILT AS AN EMPLOYEE BUT THEN THEY MADE ME LEAVE AFTER I BUILT IT IN THE YEAR XXXX AT THE END OF XXXX SO THAT MAKES 24 YEARS OF MY LIFE BEING TORMENTED WE'RE NOT EVEN GOING TO COUNT THE YEARS BEFORE THAT. 

HOWEVER I WANT THESE PEOPLE OFF ME I AM REPORTING THEM ON MY XXXX THAT I HAVE BEEN ACKNOWLEDGING DIRECTLY TO XXXX XXXX XXXX XXXX SINCE XXXX WITH MILLIONS OF VIEWS AND OF COURSE I DON'T SHOW THE VIEWERS YOU DON'T KNOW WHAT I HAVE BUT I HAVE PROOF I HAVE MORE THAN MILLION VIEWS SHOWING WHAT'S BEING DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
Today, XXXX XXXX, 2024, I have received an email with a statement for my Discover credit card. While reviewing the statement I've noticed that I was charged for two transactions that I did not recognize and disputed earlier. I immediately started a chat with Discover agent due yo a concern of recurring charges ( the transcript is attached ). Later I've noticed that my Discover inbox had emails that I was unaware about. Strangely, these emails that I never got notified about neither to my XXXX email account that I use to communicate with the credit card company nor in paper, were sent 16 days before the staement with a notification was issued. Plus, these emails talk about 15 days to dispute the results. But I got the first email to my outlook account onlyu after this period has been passed. The credit card company provided the results of their research on the disputed transaction. It looks liks these tarnsactions was initiated by my daughter before she even become XXXX XXXX XXXX on XX/XX/2024, without my knowledge. She might have entered my credit card details to fill out a free trial form for XXXX XXXX program. And she might have done it on the XXXX XXXX XXXX XXXX computer back when she was still the scool student. However, her email XXXX ( mentioned in documents attached by the Discover ) was deactivated well before the transactions happened, as she graduated the school in XX/XX/2024. She wasn't even in a possession of the computer she might have used to start the free trial. Furthermore, I have doubts that the Discover company agent was honest with me as XXXX mentioned that they couldn't immediately close my account on my request due to technical issues ( see in the transcript ). Please help me understand if I have rights to continue my dispute as I claim that these transactions have to be rolled back. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
I am submitting a second formal request to correct my credit report. In my previous dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the XXXX pandemic, following my job loss due to the crisis. Under the XXXX XXXX, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XX/XX/XXXX XX/XX/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