vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom this may concern, my rights are being violated by Experian under the federal laws that I've listed below : 1 ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2 ) 15 USC 1692 ( g ) ( a ) Validation of debts 3 ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4 ) 15 USC 1681e ( b ) Accuracy of Report I've tried numerous times to resolve this issue with Experian with little to no success. I asked them to reinvestigate the account as it does not belong to me but someone else.

I asked them to provide me with a copy of the investigation and I am yet to receive it. Experian is hurting my credit score and credit worthiness by them failing to report accurate credit information on 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 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Around XX/XX/XXXX my wife and I assumed aassumed an FHA loan through XXXX XXXX. Our loan was taken over by another company after about 6 months or so. The latter company was PHH Mortgage Services. PHH Mortgages Services handled all of our escrow affairs for about XXXX XXXX years. Somewhere in the process it seems that the escrow account was mishandled, in which has led to a significant deficit in our escrow account. XXXX sent out a check to us prior to this deficit stating that we didn't need that much in the account per my conversation over the phone with one of their reps around XX/XX/XXXX. I asked the represetative sveral times if whether or not they were sure in which I recieved an affirmative reply. Upon year end ( XXXX ), property taxes were paid out of the escrow and the account went into a negative ( about {$2500.00} ). Not long after this they sold the loan to XXXX Mortgage. In the process of selling the loan XXXX allowed our home insurance to lapse, adding insult to injury. This led to XXXX XXXX picking up an insurance policy unbeknownst and unapproved by us. This push us even further into a deeper deficit. Inevitably, property taxes comes around to the current year and we are now face with a substantial negative balance in escrow. For the month of XX/XX/XXXX our mortgage payment doubled ( around {$3600.00} ). As we were unprepared for this new amount, we faced a delinquent account. We are now struggling to make these new payment and are on the verge of going into default. If there is something that can be done please assist. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I have never had an account with the XXXX XXXX bank. There have been numerous phone calls contacting them and they have confirmed that no such account ( XXXX ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX credit, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Searching for ammunition for a shooting competition, I found this online site ( XXXX XXXX XXXX  ). I XXXX  the site to make sure it was a real location, and when it turned up as a legitimate business in New Jersey, I proceeded with using the site. Submitting the order on the XXXX of XXXX, for {$1100.00}, it processed through. I was contacted by the " shipping company '' ( XXXX ) that the store uses, claiming I needed to pay an additional $ 1400+ for shipping fees, insurance, and a " diplomatic seal ''. 

At this point, fairly certain it was a scam, I contacted the help center of the site only for them to tell me that it is a normal practice for that amount of ammunition. I contacted again, requesting a refund, and received no reply. I contacted the phone number on the site, and reached someone at the " store '' who told me the manager handles online orders, and would be out till the XXXX of XXXXXXXX Waiting till the 1st,  I again tried to contact them with no results. 

Today, I contacted the store using the XXXX business page, only to be told that they do not have a storefront, and that they have been receiving multiple calls about their online store. I contacted my bank ( JP Morgan Chase ), who has told me that my money is completely lost and that there is no way for them to recover it, due to it being processed by their partner XXXX. XXXX refuses to attempt to recover the funds, despite them having the email that the funds were sent to, which must have a bank account connected to it. Chase refuses to submit a fraud claim, since the money was accepted by the scammer and is considered a " completed transaction ''. I have no support from either financial institution, and both are telling me that they have no way of recovering my money. 

Both Chase and XXXX are unable to elaborate on why they are unable to pursue the issue, other that than in their lengthy and fine-print filled disclosures, they offer no protection for personal transfers. But their site and application suggests using XXXX to pay for bills and other official items that would never be considered a personal transfer from one person to another. I don't understand why they are unable to track the funds, as both parties surely must have a digital trail of where the money has been sent. 

This site is still up and operating, and I am still trying to find some way to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom it may concern, Equifax, is hurting my credit report and credit score by reporting false and inaccurate information. I've asked to them verify an account that isn't mine and it crippling my credit. 

I asked for a copy of the reinvestigation and they never provided this information. Instead they confirmed that the account belongs to me without providing proof and steps of how they verified the account to be mine. 

My rights are being violated under the following federal credit laws : 1. ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Notice of Results of Reinvestigation 2. ) 15 USC 1692 ( g ) ( a ) Validation of debts.

3. ) 15 USC 1681i ( a ) ( 5 ) ( A ) ( 1 ) Treatment of Inaccurate or Unverifiable Information 4. ) 15 USC 1681e ( b ) Accuracy of Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: AMCOL Systems, Inc.
State: IN

Complaint narrative:
Someone called from a collection agency. They said they were from XXXX XXXX. They have me dates of service and wanted my daughters birthday to verify info. I gave it to them. They told me I owed money and they were collecting a debt. I was upset because I thought it was already paid off. They gave me a weird address and I said no, that was a wrong address. I gave them our correct address and they said theyd send me a statement. I hung up. 
The number that called was XXXX ( XXXX ) XXXX Now Im scared I put my daughter/family in a bad situation Should I be scared??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, Experian, XXXX, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened a credit card account with XXXX in XX/XX/2021 this account was open for two months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects three negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and 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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: OR

Complaint narrative:
I banked with current ( XXXX bank ) for about a little more then a year, used the account for everyday purchases and savings. On XXXX XXXX XXXX, I received 1 of 2 deposits from XXXX XXXX ( a emergency rental assistance program ) for approx {$14000.00} and one before that on XX/XX/XXXX for approx {$7500.00}. I waited months for this deposit and was finally able to pay my tenants rental debt off with the grant of emergency rental funds OR so i Thought. Because on XX/XX/XXXX, I get a message stating that current decided to close my account with absolutely no reason attached to this email, just a email stating they would close my account. I reached out to them regarding my 15,000 $ I had left in my available funds and have yet to receive any reply back. Its now XX/XX/XXXX and they refuse to answer any emails of mine, THEY BLOCKED MY PHONE NUMBER FROM CALLING THEM, they refuse to call me back and give me any feedback as to whats going on. They literally stole my money and are collecting interest as we speak. This is ridiculous and this is bank Fraud on their part. PLEASE HELP this is all the money I had to my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This account is inaccurate and an FCRA violation. CREDIT COLLECTION SVCS # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights.Please honor all request of documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, Transunion, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX  XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, XXXX, XXXX, and Equifax and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX2021 I consumer, XXXX wrote to Experian regarding XXXX hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via XXXX on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. Experian made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. Experian did not provide how they investigated this issue and who confirmed that it was correct, and according what law. Experian as a consumer reporting agency is not in compliance with FCRA 15 USC 1681b ( c ) to make sure that all information that is reported on my consumer report are kept private, correct and validated. Experian is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these XXXX inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place. As a consumer I am entitled to receive damages up to {$1000.00} for each of the XXXX items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. I am attaching the letter that was sent which has all the XXXX inquiries that I am questioning.

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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and 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