vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-09-29 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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 have fraud XXXX and XXXX XXXX on my credit. Still Experian has let unauthorized access to my credit file. 

Incident Happened today XX/XX/2023. Just checked my file .... Since i did not pay for there subscription. They have removed the locked and fraud alert. 

I want to see what the CFPB and FTC will do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: PA

Complaint narrative:
XX/XX/2023 Experian Dear Sir/Madam, I am writing to dispute late payment information that is appearing on my credit report. I believe this information to be inaccurate, and I am requesting an investigation under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to my records, the following late payments appearing on my credit report are incorrect : Creditor Name : XXXX XXXX  Account Number : XXXX Reporting Date : XX/XX/2023 Alleged Late Payment Date ( s ) : XXXX, XXXX and XXXX As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into these late payments to verify their accuracy. If these late payments can not be verified, they should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Additionally, the FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Upon conclusion of your investigation, please provide a detailed description of the procedure used to determine the accuracy and completeness of these items.

Furthermore, if the investigation does not resolve the dispute, I request that you furnish a statement to that effect to all recipients of my credit report as required by 15 U.S.C. 1681i ( c ) of the FCRA.

Enclosed, you will find copies of documents supporting my position. Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

I appreciate your prompt attention to this matter. Please confirm in writing that you have received this dispute, are conducting an investigation, and will remove these items if they can not be verified. 

Thank you for your cooperation. Should you require additional information, please feel free to contact me at XXXX or XXXX Yours 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 2023-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to dispute a series of unauthorized overdraft fees that have been charged to my Chase Bank account. I have discovered these fees on my recent account statements and believe they were incurred without my consent or proper disclosure, potentially violating federal banking regulations, I am formally requesting a full refund of the fees in question and a comprehensive investigation into the circumstances surrounding these charges to ensure compliance with applicable laws and regulations. Please find attached copies of relevant account statements and any other supporting documents to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX 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 2023-09-30 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: CO

Complaint narrative:
Anything are incorrect from my 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 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd
State: FL

Complaint narrative:
I received communication from my XX/XX/XXXXXXXX insurance that they overpaid me when I had a 'return to work ' established. 

The complaint is that I had numerous attempts to contact XXXX XXXX when my return to work date was approaching. 
I left voice mails/sent emails on numerous occasions with the date of my return to work. 

I had no return call or email that notified me they received this information I submitted. 

When I returned tor work XXXX XXXX, I received a letter from XXXX XXXX that they overpaid me by {$980.00}. 

I have to admit I did not respond until this past week as our family had a traumatic incident and almost lost my husband. I did respond just this past week ( Called XXXX and spoke with " XXXX '' who stated that I have a case worker " XXXX XXXX '' who will be reaching out to me ASAP. I explained email is my best contact ( XXXX ). I would like to try to set up some type of payment plan as paying {$980.00} at one time is quite a bit and would like to try to try to set up some type of payment arrangements. 
I have not heard back from " XXXX XXXX '' at XXXX XXXX as of yet. I do not want this balance to go into collections as this issue could have been resolved earlier if I would have had better communication with XXXX XXXX when I tried NUMEROUS times to give them my 'back to work date ' and no communication back to me that they even received all of my messages. 
If there is any assistance you can provide or send me in the right direction, I would greatly appreciate it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: SD

Complaint narrative:
I receive a Breach letter from Selene Finance, knowing my account was not 120 days past due I placed a call to Selene finance to obtain information on why received a notice of default. I was told by a representative of Selene finance that they hold my payment in suspense account due to a previous bankruptcy I filed many many years ago. In disbelief I continued to pay my payments. Today I received my XXXX XXXX billing statement from Selene finance and saw that my payment made on XX/XX/2023 was held in suspense- I made a payment of {$1100.00} my payment is XXXX they held the entire payment from XXXX in suspense. The payment made in XX/XX/2023 wasnt reflected. When communicated to Selene Finance via email I inquired in regards to the breach letter and cost of that breach letter - I didnt receive any response from Selene Finance addressing the breach letter at all. When I called back to Selene the representative was less than helpful and asked me what was I talking about and why it mattered I am paying my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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 have fraud Alert and Credit Freeze on my credit. Still Experian has let unauthorized access to my credit file. 

Incident Happened today XX/XX/2023. Just checked my file .... Since i did not pay for there subscription. They have removed the locked and fraud alert. 

I want to see what the CFPB and FTC will do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MO

Complaint narrative:
Zion Debt Holdings reported to my credit that I owe over XXXX for XXXX. This is false information. I contacted XXXX and they stated that I owe {$540.00} and didnt have information about Zions Debt Holdings XXXX They actually transferred me from the collections department to a different collections agency which was not Zions Debt Holdings. XXXX provided me with a letter stating how much I owe and what a reinstatement of services would cost including 1 month of service which is {$670.00}. This letter came from the XXXX XXXX for billing at XXXX. The representative I spoke with at Zion Debt Holdings tried to tell me that I only paid 1 month for service ( I used XXXX  for many months ) and that I signed a contract for 5 years of services. We would not sign a 5 year contract as we were renting the property for 2 years. The representative laughed at my questions and treated me like a criminal. I then filed a dispute through XXXX and shared my letter from XXXX themselves. I believe this is fraud and that the account was picked up and inflated for a money grab. I believe that there could have been a breach in XXXX  XXXX  I was unaware that I had a collections as XXXX  themselves never contacted me regarding the account in the several years that have lapsed since we had services and XXXX  themselves didnt have any information for such a company on my account. This is defamation and is very damaging as it could affect my job and seriously dropped my credit. I will be filling with my attorney if this is not resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
SunTrust closed my account when the IRS sent my third stimulus payment of {$4200.00}. 
Irs said they sent the payment to SunTrust but SunTrust closed my account without any information. 
I file the form 911 with the IRS and a trace and SunTrust go the money and did not release it back to the IRS when they wrongfully closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Chapters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to bring to your attention a matter regarding my credit report. On XX/XX/XXXX, I contacted Experian to dispute the following incorrect information on my credit report. To date, I have not received a response from Experian. I am providing the details of the inaccurate information and the required corrections as follows : The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove it 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 2023-09-30 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: IN

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX  XXXX, IN XXXX ; XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}

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