vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have four Chase accounts ( XXXX XXXX and XXXX checking ) which I have had for years. Yesterday as provided and recommended on the Chase website, I attempted to pay money to a very close friend ( who is a licensed therapist in CA for years ) a sum of {$200.00} through XXXX. 

XXXX times the payment was rejected for suspicious activity AND All of my Chase accounts were frozen. I called two times to Chase support and they statted they had " unblocked '' the accounts. The accounts remained blocked however. I also explained that my recipient was a close friend of many years ( we attended graduate school together ). 

Finally, a rthird call resulted in unblocking the accounts. I told Chase they definitely advertize XXXX transactions, but paradoxically put up barriers to complete the transactions. This is almost false advertizing and a burden on myself who had much business to transact on my Chase accounts, but could not as there were frozen for hours. 

Additionally, the first two Chase phone reps had strong accents and talked very rapidly, making it hard to understand their input. 

Algorithms are useful for scams and fraud, but Chase seems to employ highly restrictive and burdensome barriers such to honest banking members ( of years ) such as myself. 

I want consumers to be protected and relieved of such burdens, especially from a bank that I would assume has very high profits. I want whatever precipitated this fiasco to be re-evaluated by Chase and amended to prevent such situations. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.

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

Complaint narrative:
XXXX XXXX XXXX XXXX I. Nature of Dispute This letter disputes the accuracy and completeness of the information reported on my credit report concerning account number XXXX. The report inaccurately reflects ongoing monthly payments on this account. 
II. Factual Basis for Dispute 1. No Payment History : I have never made any payments towards this account. The reported " monthly payments '' are en>rely inaccurate. Even though they are showing payments being made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the alleged creditor for this account. I spoke with a represents verified by badge number XXXX. During this conversion on, XXXX confirmed that the reported payment history is inaccurate and that I have never made any payments on this account. 
3. Statute of Limitations : Furthermore, under applicable U.S. law, credit reporting agencies are prohibited from reporting on defaulted accounts that have not been actively pursued for collection or judgment within a specific timeframe ( the statute of limitations ). Given the complete lack of payment history, there can be no recent collection activity, rendering this reported account outside the permissible reporting window. 
III. Requested Action Based on the above facts, I request that credit agency Investigate this dispute with all due diligence and contact XXXXXXXX XXXX XXXX XXXX XXXX to verify the accuracy of the reported information. 
Delete the inaccurate information regarding " monthly payments '' and any reference to this account from my credit report. 
Reflect in my credit report that the statute of limitations has expired for any potential collection activity on this account. 
IV. Conclusion The inaccurate reporting of this account is demonstrably false and potentially damaging to my creditworthiness. I trust that credit agency will take swift and decisive action to correct this error and ensure the accuracy of my credit report. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
US Bank is colluding with attorney XXXX XXXX to foreclose on my house and use the proceeds to pay themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Patrick K Willis Company Inc
State: CA

Complaint narrative:
On XX/XX/2024 XXXX XXXX was sent a notice of pre-arbitration agreement which they willfully negated to respond to. On XX/XX/2024, a second notice of arbitration was sent to XXXX XXXX. On XX/XX/2024 XXXX XXXX hired American Recovery Services. On XX/XX/2024 American Recovery Services hired XXXX XXXX XXXX to illegally repossess the consumer 's vehicle. On XX/XX/2024 around XXXX XXXX an associate of XXXX XXXX XXXX can be seen entering a restricted and private area of the residence of the consumer. The employee entered through locked gates by waiting for another residence to leave the restricted area. Once the employee entered in the restricted area, he proceeds to exit out of his vehicle, and place an unknown object in front of the gate sensor to prevent it from closing behind him, and further proceeds to illegally retrieve the vehicle. The consumer noticed the vehicle was missing on or around XXXX XXXX and immediately sought to local police enforcement to report the theft of the vehicle. Once the consumer was made aware that the company repossessed the vehicle, the consumer immediately contacted XXXX XXXX and American Recovery services to obtain the vehicle back. Repossession laws prevents Breach of Peace, in which American Recovery Services knowingly did by entering the restricted area of the private residence of the consumer. Code of Federal Regulations also prevents debt collectors from unfair debt collection practices by means of harassment and unfair practices in which American Recovery Services knowingly and willfully violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
U was informed I owed XXXX on my vehicle but they are willing to take XXXX to pay off the vehicle Ive made several payments but according to them only a couple of payments were made. My car was repossessed illegally without the right to cure letter. I will like to file a complaint against Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit reports and I found out billing errors. The involved Bureau clearly violated the United States Code Law 15 U.S. Code 1681e ( b ) - Compliance procedures for maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to file a formal complaint against Equifax for their failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. However, despite several attempts, I did not receive a response back from Equifax with the investigation results. 
These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), Equifax 's failure to respond appropriately has caused me unwarranted stress and financial implications. 
Furthermore, I provided Equifax with my Government ID, proof of address, and a copy of my social security card to verify my identity, yet their lack of response persists. 
I am seeking intervention from the Consumer Financial Protection Bureau to compel Equifax to remove permanently the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do under the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I transferred {$1200.00} using their " super check '' on XX/XX/2023 to XXXX XXXX XXXX to pay off the balance on owed them. The very next day, somebody in Wells Fargo office made something called an electronic transfer of another {$1200.00} charging it to me. I don't know who he/she gave it to. All I know it wasn't deposited to XXXX XXXX. I wrote Wells Fargo several letters stating that I only made one {$1200.00} transfer. Finally, I received a reply ( in writing ). It was a mumble jumble letter which included a copy of the paid check to XXXX, but no proof that I received the electronic transfer -- which of course was impossible to provide. 
I just receiving the latest statement ; it still reflects falsely that I had taken {$2400.00} in transfers.

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 2024-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
Dear CFPB, I am writing to file a complaint against First Home Mortgage of XXXX  for misrepresenting the terms of my private mortgage insurance ( PMI ) on my FHA loan. 

About 3 years ago, I spoke with a loan officer from the Company, about obtaining an FHA loan for my home. During this conversation, I specifically inquired about the removal of PMI. The loan officer informed me that PMI could be removed once I met certain qualifying factors, such as reaching a specific equity stake in the home or completing a certain number of on-time mortgage payments. 

Based on this information, I proceeded with the loan application process. However, after closing, I was surprised to discover that the loan documents stated that PMI could never be removed from the loan. When I tried to go the First Home Mortgage to get it removed, I was informed that the loan terms were non-negotiable. 

I feel that the Company made false or misleading statements about the removability of PMI on my FHA loan. These statements induced me to proceed with the loan application, and I would not have done so if I had known the true terms regarding PMI removal. 

I request that the CFPB investigate this matter and take appropriate action against the Company. This action could include requiring the Company to modify the loan terms to allow for PMI removal under the conditions originally presented, or to provide other forms of compensation for the misrepresentation.

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

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts are incorrect, causing me discomfort.

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

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts are incorrect, causing me discomfort.

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