vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: SC

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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Kindly remove this incorrect late payment entry from my account. I have a commendable track record of timely payments, and it is unjust for me to face repercussions for an error that is not my responsibility. I respectfully request that you promptly update my account to reflect the accurate information.

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 2024-03-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  with several bank accounts with Chase. I discovered that one of my accounts was breached and someone electronically transferred funds from my account in XXXX, XXXX and XXXX. The transactions were made to different companies. I contacted Chase in XXXX when I discovered it. The claims agent put all the transactions on a single claim. 

Later however, Chase said I would be able to recoup the money from XXXX and XXXX but not XXXX. Apparently the would not honor it because the date from the last transaction was more than 30 days from the first transaction on the same claim. This sounded nonsensical to me since I would have expected that the older claims might have been denied. But the more recent claims were denied instead. It was stated that because they were placed on the same claim, the later transactions would not be honored. It was explained to me that had it been submitted in two different claims it would have been accepted. Obviously had I known this, I would have had the claims agent submit 2 different claims. 

I went to my local branch in XXXX, NJ. The branch employee there called the claims department. He was told the same thing : if the original claims agent had put this on 2 separate claims, the latter claims would be honored. The claims agent who spoke to the branch employee added to him but I dont advise you to tell the customer that. I heard the claims agent make this statement and it was confirmed by the bank employee that that was what was said. 

The matter was sent to escalations. The customer service agent said the bank would work on it and contact me again. Meanwhile, I called the companies who were paid using my funds. These companies said they cant reverse the charges unless Chase contacts themwhich Chase refuses to do. Im not asking Chase to themselves give me the money. I simply want Chase to tell these companies that the money was not authorized by me. Yet Chase refuses to do so.

I called escalations on multiple occasions and I havent heard back from them since. However, minutes ago the local branch manager just called and stated that the escalations department contacted him and said theres nothing they are willing to do since the fraud charges took place 30 days apart. Chase has now changed their story to say the number of claims didnt matter. Despite it being different vendors and different individuals involved, Chase simply refuses to assist me in any way. I am appalled that they changed their story and that they are unwilling to assist their customer.

Again, I want to reiterate : at no point have I expressed a desire for Chase to give me the money back themselves. I just want Chase to alert the companies that were the recipients of these funds that they were illegally sent so those companies can return my money. I am hoping you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HELP. LAST TIME BEFORE SUE Experian in Federal Court. 
Since 2018, Experian is reporting a bankruptcy account on my credit report that is from another person. I sent via certified letter the proof and evidence that this account is not mine. Experian don't want to remove it. 
Experian asked me to dispute with XXXX XXXX, and XXXX XXXX DO NOT HAVE BANKRUPTCY ON MY RECORDS. SEE ATTACHED LETTER. 
Experian asked to check with the COURT, and this account belongs to another person with a similar name, and different social number. ATTACHED COURT PACER RECORDS.

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 2024-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Processed the assumption of an FHA mortgage held by Freedom Mortgage from XX/XX/2024, until settlement on XX/XX/2024. Tried setting up online account after XX/XX/XXXX meeting but received error online. Called Freedom Mortgage customer service and was told that since the FHA loan being assumed already exists, and the Seller had already created an account associated with that loan number, I could not create an account until after the assumption is complete. Tried to set up account again on XX/XX/2024, the day after settlement, and received same error. Called Freedom Mortgage customer service again and was informed that due to their system limitations when a loan is assumed, I will not be able to create an online account to view/ manage the loan or make payments online and that I will have to get the previous owner 's login information if I want to have online access to the account ( which they will not share ). Furthermore, they said they can not change the email address on the account and any password recovery would be sent to the previous homeowners email. This means the previous owner not only will maintain access to view all our private information and activity on our mortgage but can also make modifications if they wish and we will not be given visibility to our mortgage details and payments! After this I did a quick search online and find out from numerous forums and sources that this is a known issue that has not been resolved despite YEARS of complaints to Freedom Mortgage and CFPB! Please, I'm begging you to take action against Freedom or force them to transfer loan assumption accounts, after settlement and maintaining terms, to another lender who will let us create a secure account of our own!!

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 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I received a text from my credit monitoring system that a debt collection showed up in my credit report. Jefferson Capital system purchased the debt from XXXX for the amount of {$550.00} and the debt is not mine. I do not owe any funds to XXXX and my telephone carrier is XXXX. 

I would like this entity to remain this debt from my credit history as I am do not owe any funds to XXXX or any of its representative agencies. Please let me know how I can proceed with eliminating this charge from my credit. 

Thank you. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
NewRez has an insurance department, I received a letter from them stating that they had purchased insurance on my behalf, the insurance they purchased a couple of days ago they said is for me to have coverage for Last Year from XX/XX/XXXX to XX/XX/XXXX, they said that they will take the money from my escrow account, I never agreed to this, never gave consent nor did I signed any documentation. I have called them several times asking how and why are they purchasing insurance for a year that haas passed, insurance companies can not backdate coverage is unethical, illegal. I asked for documents of coverage and contact information for the insurance company, they put me on hold for over 10 minutes to find the name of the supposed company that sold them backdated insurance coverage, the said the name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX I asked for a phone number... they put me on hold for an extra 10 minutes to let me know they DID NOT have their phone number, spoke to different reps trying to solve this issue and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found a phone number, I called them gave them the supposed insurance policy number XXXX and XXXX said they did NOT have that policy, that it belonged to XXXX XXXX , ( NewREz Ins. Department lied to me ) XXXX transferred my call to XXXX XXXX, I gave them Insurance Policy number to find out more about it, and they said the same thing, that it belonged to a different company called Shellpoint, they gave me the phone number and also transferred my called to them and guess WHAT!!!! Shellpoint is the Insurance Company that works with NewRez, which is the Ins. Company that sent me the letter and told me they purchased backdated insurance from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX conclusion is that they are pretending to purchase insurance on my behalf from a third party insurance company and getting the money for themselves. I yesterday I called NewRez directly instead of talking to their insurance department and the Loan Concierge, misname is XXXX XXXX said that backdated insurance can not be purchased anywhere, he said to called their Insurance Department and asked them how and why are purchasing insurance for a time that already PASSED and why are they " billing '' me. XXXX XXXX submitted a Complaint the number is XXXX I have recorded all the conversations I had with all of the reps. Last time I called the NR Ins. Department the lady refused to give me information and hang up on me. ( recorded )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: HI

Complaint narrative:
I am writing to follow up on my ongoing complaint regarding an entry on my credit report that I believe is inaccurate and misleading. Despite previous correspondence and efforts to rectify this matter, I am disappointed to find that the discrepancy persists across all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: 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 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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

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 explanation
Consumer complaint received 2024-03-13 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: LA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I legally change my name From XXXX XXXX XXXX XXXX to XXXX XXXX and i requested company to update it as well. They requested driver License, Social Security, Bank statements, Proof of the court of name change. Which I provide to them via fax XXXX and also thru their website called Experians Document Upload Service. And the issue was never resolved. I also called Experian Customer service many times. and Im getting transferred all over the place. And they should never get resolved. The only thing that Ill be hearing is wait 72 hours. And after the 72 hours and call back the same answer

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 2024-03-13 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: NJ

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 explanation
Consumer complaint received 2024-03-13 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : MIDCREDIT MANAGEMENTLAND Account number : XXXX

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Chexsystems has violated the FCRA, also made false statements that a signature is required from a law enforcement officer in order to accept documentation.

I believe someone may be losing their job due to taking the law into their own hands instead of following federal law. This is a very serious matter that has been ongoing for months now and must be resolved immediately to prevent any further federal laws from being violated.

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 2024-03-13 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: IN

Complaint narrative:
The personal details listed in this document do not pertain to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Duvera Billing Services, LLC
State: TN

Complaint narrative:
I was trying to go up for a house, I was denied due to this being on my credit report. They have multiple inquires on my credit report. My information was taken in 2022 due to someone car broke into my car at work and did multiples things with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In early XXXX, my wife was contacted by someone on her classs social media platform ( XXXX  ), indicating they wanted to use her photo for a mural art project and were willing to compensate her with $ 500.Subsequently, XXXX electronic checks totaling {$2200.00} were sent to her, instructing her to deposit them into my Wells Fargo checking account, as she does not yet have her own account in the US. The checks, written in my name, were cleared by Wells Fargo, and the full amount was credited to my account. Following this, I transferred {$1700.00} to the sender via XXXX, keeping the agreed-upon {$500.00}. 

Later, it was revealed that the checks were fraudulent, and Wells Fargo deducted the entire {$2200.00} from my account. This left my account overdrawn by {$1400.00}, holding me responsible for their lack of due diligence. Despite the bank 's failure to detect the fraudulent checks or notify me of any issues, they credited my account with the full amount without conducting proper verifications. As a consumer with no expertise in banking procedures, I question how I could be expected to identify fake checks. Additionally, I filed a claim with the bank, which was unjustly denied without explanation. 

I am filing this complaint with the Consumer Financial Protection Bureau to seek justice and resolution in this matter.

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 2024-03-13 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: CO

Complaint narrative:
I am writing to dispute the inaccurate reporting of a Identity Theft on my credit report, which I have identified as a violation of the Fair Credit Reporting Act ( FCRA ). According to my records and confirmation from FTC, there is no account filed under my name, and the creditor should not report such information to any credit reporting agencies. 

I am a victim of Identity Theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) Identity Theft XXXX XXXX Credit bureaus must honor my request to remove fraudulent information from my credit report. This is called blocking. Once information is blocked, companies cant report the debt or try to collect it from me.

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