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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding these unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We are having problems with the calculation of the checks we received {$200.00} for the following loans # XXXX Property address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Check number # XXXX dated XX/XX/year> Property 2 : loan number # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Check number # XXXX dated XX/XX/year> We never got an explanation of how they came up with these amounts for two different mortgages. Wells Fargo has been pressuring us to cash these checks. We still feel that we are being discriminated against and can not get Wells Fargo explain how the balance of the mortgages have not been paid down over the years that they have been servicing our loans. I am attaching copies of the letters and the checks. We have asked numerous times to see the complete loan package for each file. XXXX XXXX and I cant get a straight answer from anyone. They continue to close the complaint without any resolution with us. 
This has been going on for years.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 I charged XXXX at XXXX for a custom cat tree to be built for me. I was aware this would many months. I have a number of text messages between myself and the owner. I checked in with them on XX/XX/XXXX to see if work had started and he told me not yet, but he would try to finish for the end of the month. On XXXX XXXX he wrote and he said another project had set him behind but the tree would be worth the wait. I did not.think anything of it because he was the only person building these. In XX/XX/XXXX I asked if he had started work. He said he had started yesterday. On XXXX XXXX I asked for pictures and when I could expect delivery, because I would like it for XXXX. He answered and sent a picture of the frame. He said he could not get it out in time for XXXX, but would ship it mid XXXX. This is the first time he committed to a completion date. On XX/XX/XXXX, when I had not heard from him I told him since I did not get the tree or an update, I was going to pursue getting my money back unless he shipped the tree out immediately. For the first time I did hear immediately back from him and opened a dispute with XXXX XXXX. They first denied it for being more than XXXX  days old. When I sent them their Rule 4554 that said I had XXXX days from when I expected delivery, they denied me again claiming I expected delivery at the end of XXXX. This is not accurate because the merchant only said he would try and contacted me to tell me he was behind. The first time he committed to a delivery date was mid XXXX. I only then felt I was being cheated when he did not answer me. These cat trees are involved and take many months to build, that is why they are so expensive. I was willing to wait.

Company response to consumer: Closed with monetary relief
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: CL Holdings LLC
State: IL

Complaint narrative:
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. 
Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is continually reporting an XXXX account inaccurately. In the payment history for this account it shows it as 30 days past due for consecutive months. This false reporting is damaging my credit reputation. This is illegal as this is false reporting for which they are willfully being non-compliant in correcting this.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
i am a victim of identity theft and i sent in my FTC report along with all the information concerning 15 usc 1681 to all CRAs on XXXX for it to be deleted within XXXX business days. I am requesting that they delete the information from my credit report because its not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: LA

Complaint narrative:
i am a victim of identity theft and i sent in my FTC report along with all the information concerning 15 usc 1681 to all CRAs on XXXX for it to be deleted within XXXX business days. I am requesting that they delete the information from my credit report because its not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A credit card was opened in my name without my knowledge. I did not find out until I financed a car. I then placed a set Report with the state police also contacted Bank of America several times filled out forms they sent me still 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
acct # XXXXHas a late payment being reported the account was opened XX/XX/scrub>XX/XX/2021 I requested proof, in the form of a copy of the original envelope i mailed the alleged late payment in, which clearly shows the original postmark date, i also requested payment history of accounts balance dates and certified copy of original contract with my signature verifying this is indeed my debt.Under section 611 ( 5 ) ( A ) OF the FCRA-You are promptly required to " Delete '' all information which can not be " vERIFIED.

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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well

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: LD Holdings Group, LLC
State: FL

Complaint narrative:
Loan Depot. LLC, XXXX and XXXX are so disorganized and does not pay attention to the Laws governing each state where they have mortgages. Florida is a Judicial State for starting a foreclosure and must be recorded with the XXXX XXXX XXXX. No foreclosure proceeding where ever started XXXX XXXX XXXX since I filed for a hardship mitigation which was approved. I sold the house after disagreements surrounding the title which again their arguments where invalid under Florida Law. Loan depot is ignorant of local laws regulating mortgages. 

I had such an issue with them all the way thru for a year until I sold the house. Now a year later after I sold the house Loan Depot entered a foreclosure on my credit reports. Clearly it is retaliation for the problems I had with them. 

Well this entry on my credit report for the start of foreclosure is against the XXXX XXXX XXXX and the FRCA. I will file a federal lawsuit if they persist. See below letter sent to them. I will also send to all the credit reporting agencies. 

Subject : Dispute Regarding Incorrect Foreclosure Reporting on My Credit Report. 

Dear Sir/Madam, I am writing to dispute the foreclosure information that has been inaccurately reported on my credit reports. The details in question pertain to my mortgage with Loan Depot under account number XXXX. 

Florida is a Judicial Foreclosure State : As you are obviously unaware, Florida follows a judicial foreclosure process. This means that any foreclosure action must be filed through the court system. However, there has been no record of the start of foreclosure filing at the XXXX XXXX XXXX XXXX related to my property. 
False Reporting : Despite the absence of any foreclosure proceedings, my credit report indicates otherwise. This false reporting is damaging my credit score and financial reputation. 
Request for Correction : I kindly request that you promptly investigate this matter and correct the inaccurate information on my credit report. Specifically, I ask that you remove any reference to foreclosure related to my Loan Depot mortgage. 
Federal Lawsuit : If this issue is not resolved satisfactorily within a reasonable timeframe, I am prepared to take legal action. I will file a federal lawsuit to enforce my rights under the Dodd-Frank Act and the Fair Credit Reporting Act ( FCRA ). 
Proof of Non-Foreclosure : The XXXX XXXX XXXX XXXX XXXX Court ran a search and there is nothing filed related to the subject property. This confirms the absence of any start of foreclosure proceedings. 
I appreciate your attention to this matter and expect a response within 30 days. Please provide written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute a hard inquiry that appeared on my credit report without my authorization. The inquiry was made without my authorization, and I have no record of initiating any credit application or transaction with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I stopped by Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX ) to deposit some funds. Our savings account there is used almost exclusively by my wife. While at the bank on that date I discovered that our savings account had been charged a monthly fee of {$5.00} since XXXX of XXXX. I was told that this happened because the account became " unlinked '' from our checking and investment accounts. We have had an account with Chase for many years and the accounts have always been linked. The " unlinking '' was not an action I took, but something that the bank did without notification. 

The branch refunded the most recent fee, but said they were unable to do more. After speaking with XXXX XXXX ( Private Client Services ) and then following up with the XXXX, XXXX XXXX, I was contacted by the escalation service today ( XX/XX/XXXX ). They called me today and said despite the mistake being on their end they would not issue a refund, per policy. While I have to assume that Chase ' terms give them legal protection, I feel like a fee that they admit to charging erroneously should be refunded and I am hoping CFPB may help give me some direction.

Company response to consumer: Closed with 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 belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found.

Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX  Acct # : XXXX - {$300.00} XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX {$330.00} XXXX XXXX XXXX Acct # : XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX Acct # : XXXX - {$300.00} XXXX XXXX XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX XXXX {$650.00} XXXX  Acct # : XXXX - {$1400.00} XXXX XXXX XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Today, XX/XX/2024, in my efforts to purchase an XXXX for my husband through Amazon I decided to take advantage of the advertisement to open an Amazon Prime Visa through Chase bank to take advantage of the 12 month interest free payments. 

The advertisement clearly states : " interest-free UPON APPROVAL. '' As advertised I received immediate approval. However, when I went into my Amazon cart to check out, the new card showed up with only the last four digits of the account number and I was instructed to enter the entire credit card number for verification. Clearly, I dont have a card in hand that I had only moments ago been approved for. I contacted Chase and was told they could not provide me with the whole credit card number. I would have to wait approximately XXXX  days to receive the card before I could complete the purchase.

Therefore, the whole object of applying for the card to take advantage of the advertised ( 15 second approval ) and to immediately complete the purchase was based on a fraudulent representation. It was a mere ploy used to get me to apply for a card I did not need except for the interest free period advertised.

I instructed the Chase representative to cancel the card. Now I am left wondering if this approval and instant cancellation will cause a problem with my stellar credit score?

This advertisement on Amazon is clearly fraud committed to entice opening of a Chase card for their own gain but certainly not for mine.

Company response to consumer: Closed with explanation