vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: IN

Complaint narrative:
I am filing this complaint to notify you of fraudulent accounts on my credit report. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character because it is your duty to report accurate information. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section XXXX of the FCRA, XXXX meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what you are doing to us consumers.

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 2024-02-29 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: IN

Complaint narrative:
I strongly request the removal of this late payment from my account, as it does not reflect my payment history accurately. I have consistently made timely payments, and it is unacceptable to have this erroneous late payment listed. I urge you to update my account promptly.

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 2024-02-29 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: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
They are messing up our loan. Saying we didnt pay them. They sold our mortgage to another company. Now this company doesnt have any representatives. No real people to talk to I can do anything with these people. There is no help at all. Im completely disgusted with this company. Cross country mortgage has really messed up and then they dont have anyone to help. Only automated, its very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Vehicle was a total loss and insurance company and Gap insurance paid off what I had seen on XXXX XXXX XXXX  website there was XXXX Dollars due. 
3 months later I got a phone call from lender stating there was still a outstanding balance on loan. 

I told them I have never made a payment late and was not aware of any outstanding due and on the website shows nothing was due. 
I needed a few weeks to come up with the money and was told I would not have a negative remark on my credit report After paying amount in full MY CREDIT REPORT SHOWS CHARGE OFF PAID IN FULL. 

I DISAGREE WITH THAT ON MY CREDIT REPORT I PAID IT IN FULL

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My credit card had been compromised with something else credit. They have not provided me proof I used it. I fo not use credit cards I just had XXXX for renting cars or hotels. They were unfair with investigating this matter. They wanted me to provide proof on my end. I wanted them to provide I XXXX XXXX used the card. And how could or would They let it get over the credit limit

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit card had been compromised with something else credit. They have not provided me proof I used it. I fo not use credit cards I just had 1 for renting cars or hotels. They were unfair with investigating this matter. They wanted me to provide proof on my end. I wanted them to provide I XXXX XXXX used the card. And how could or would They let it get over the credit limit

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My cell phone was hacked on XXXX. The hacker got into my bank account and an unauthorized wire transfer was made for {$48000.00} on XXXX. The funds were sent to a private individual at XXXX XXXX XXXX XXXX. 
On XXXX at XXXX, I called the Chase Fraud Dept XXXX regarding the fraudulent wire transfer that happened around XXXX on XXXX While speaking to the fraud dept. another fraudulent wire transfer of {$50000.00} was about to be debited to my account, so I stopped it and decline the fraudulent transaction. 
I immediately told the fraud dept. to freeze my online account. 
The fraud dept. should have flagged my account especially when 2 fraudulent wire transfers were made within a few minutes of each other on the same day of XXXX. 
The first fraudulent wire transfer had already gone out of my account and was released.. 
So I requested a hold on the funds to the XXXX XXXX XXXX XXXX, asking that they do not release the unauthorized funds to the hacker. 
On XXXX XXXX XXXX released the funds to the hacker on the assumption that he had plenty of funds to cover the amount taken from me, but once he received the funds in his account, he zeroed out the account and took all of his money out. 
Chase bank did not send a security notification to us regarding suspicious activity on XXXX, when a wire transfer was being done. 
If Chase bank had looked at our history of wire transfers, they would see that we only make wire transfers to companies, never to an individual person or credit union. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
I am filing a complaint against TransUnion with the CFPB regarding their failure to adequately respond to my dispute regarding inaccuracies on my credit report. On XXXX, I mailed a dispute letter to TransUnion, requesting an investigation into inaccurate items and incorrect personal information listed on my credit report. I took care to include supporting documents, such as my photo ID, social security card, and recent bill, to verify my identity and address. 

However, the response I received from TransUnion dated XXXX stated that they could not process my request because it did not appear to have been sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to conduct a reasonable investigation, as required by the FCRA, into the completeness and accuracy of the disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I was a victim of fraud with the scammers taking {$3000.00} this was taken from my account on XX/XX/2024. I noticed this when the amount was deducted from my account on XXXX XXXX and I contacted my bank Wells Fargo on XXXX XXXX to help me dispute my case and they said they were working on it when I went to the physical bank on XX/XX/2024 to gain access to my mobile banking account. On XX/XX/2024 I received a letter from Wells Fargo Closing my case, I followed up with the company and asked why they closed my case when I had just told them I was a fraud victim. The representative replied we approved the amount because you used your phone number. I had explained to them that the charge was made in XXXX XXXX when I told them I did not make a charge for that much money and that I was in XXXX, Texas at that time. I continued to ask to reopen my case until today I received an email about my case status and they still have it closed. After talking with another representative they transferred me to the person who wrote the email and worked on my case but they were not available and asked me to leave a message and I left a message on their voicemail. As of right now that is everything.

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 2024-02-29 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: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was notified via my XXXX credit report a debt collection company had been notified of a delinquent account ( XXXX XXXX - XXXX ) NOT created on my behalf. I have lived in XXXX since XXXX and was notified that the address used was at XXXX XXXX XXXX XXXX, TX XXXX and have never resided at that address. I have had identify theft prior to this with another energy company, XXXX XXXX and addresses were in XXXX XXXX  and again nowhere I have resided. That was disputed and resolved accordingly. I reached out to Credit Systems International to dispute this charge and they have received all paperwork including a copy of my drivers license and my FTC letter. This account was created in XXXX of XXXX and the amount I'm currently disputing is for XXXX with a utility debt at XXXX XXXX. The account number ends in XXXX. 

I appreciate your help in this matter and have since locked my credit to ensure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> two fraudulent charges were made on my Chase credit card. Chase 's fraud department immediately flagged them, and sent me a text message. I replied immediately that I did not make these charges, and they responded that the charges AND the card had been blocked, and that they would send me a new card. 

However, two charges for {$530.00} were allowed to go through to the card. I immediately flagged these charges again on the Chase portal, and they closed the card again and sent me another new card. 

Chase claimed that the laptops that were purchased through XXXX XXXX were delivered to my home. When asked to see any documentation they had proving that, they did not provide it. When asked to provide more information they could not. 

I contacted XXXX XXXX on my own, and was able to see that both fraudulent charges were actually picked up in story just a few hours after the charges. I submitted this as evidence to Chase, but they had already closed the investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: FL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: FL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 2024-02-29 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a business line of credit with Chase bank through the Branch Relationship Manager XXXX in XX/XX/XXXX. I was told by her that the application was denied because I had a charged of credit card with Chase. I was taken aback and advised XXXX that I had no prior relationship with Chase prior to XXXX when I opened my checking account. I submitted a dispute to Chase Bank as was directed by XXXX and a supervisor in the credit card department, then I spoke to XXXX from their executive office on XX/XX/XXXX and again on XX/XX/XXXX regarding this fraudulent credit card. He advised me that the card was valid and they had documentation to prove it was mine. I requested the documentation used as method of verification to prove this credit card debt belonged to me however, to date Chase bank has not provided the requested information and still has not removed this fraudulent negative item from their database under my name. They have even added my address and other personal information to this debt that is not mine. This is a clear violation of my consumer rights and privacy and I would appreciate if the CFPB could conduct a thorough investigation into this matter with Chase Bank. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: NJ

Complaint narrative:
****also see attachments as well**** I'm writing because all account numbers are reporting inaccurate on my reports. 

Im notifying you that the following account ( XXXX ) is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character ( defamation ). 

There's inaccuracies on my consumer report. All the account number are different and the law states the agencies shall follow maximum possible accuracies. ( SEE BELOW ) XXXX XXXX Code XXXX ( B ) - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX DELETE THE ACCOUNTS BELOW ( proof attached ) EQUIFAX XXXX XXXX XXXX  XXXX - Account XXXX - Date : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX XXXX XXXX  XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Account XXXX - Date : XX/XX/2020 XXXX - XXXX ATTACHED ) they are reporting with inaccurate account numbers which is a violation under XXXX XXXX XXXX XXXX B ) so they XXXX XXXX XXXX these account like XXXX did XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: VA

Complaint narrative:
Transunion XXXX XXXX are not allowing me to access my credit reporting to make updates or dispute actions. 

XXXX collections is not mine. I have requested that this be removed. XXXX failed to provide me with a contract stating that I owed the debt to XXXX  XXXX. I provided all parties necessary the legal court order saying I didn't know the money, I only owed attorneys fees. 

The only things that should be on my credit report are the following : XXXX XXXX Accounts : Student Loans : I have all the letters submitted to agencies and the letters requesting verification of debt. Which includes debt with my signature on it agreeing that I owe the debt of obligation. None was provided and I sent a letter to both parties disclaiming the unverified debt. 


All of my credit reports are in accurate. My XXXX Report is the most accurate and the most update.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from 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 non-monetary relief