vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was charged at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}. 

I have an email the time I was charged starting Your account is overdrawn Account ending in As of Available balance ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX moved the funds from my saving to my check account same day before XXXX XXXXXXXX XXXX That night i received an email from chase saying Your account is overdrawn Account ending in As of Available balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX I notice XXXX over draft fees on my account form XXXX payment made on XXXX. Chase said my account was as negative {$140.00} at the end of the business day on XXXX thats why I received XXXX fees because of these changes below. 

XX/XX/year> OVERDRAFT FEE FOR A {$97.00} ITEM - DETAILS XXXX XXXX XXXX XXXX XXXX. 
- {$200.00} - {$34.00} OVERDRAFT FEE FOR A {$72.00} ITEM - DETAILS : XXXX XXXX XXXX TEL... 
- {$170.00} - {$34.00} XXXX chase policy We charge a {$34.00} Overdraft Fee per transaction during our nightly processing beginning with the first transaction that overdraws your account balance by more than {$50.00} ( maximum of XXXX fees per business day, for a total of {$100.00} ). XXXX My account balance at the end of business day pursuant to me and the email was only $ XXXX. I have not received any email from chase stating my account was as negative {$140.00}. XXXX is fraudulent giving me an overdraft fee. I complied with there policy by ensuring my account was under {$50.00} the next business day. I am signed up for alerts to when my account is negative. There is no record alert that my account was negative {$140.00}. I have attached pictures of emails and my account notifications. The computer moved deposits and transactions on my statement to fit the scenario to back up the fees but forgot to send me an email stating the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TN

Complaint narrative:
Just recently I have reviewed my credit report and begin to notice these accounts were not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, on this account that has not been late on payments. I've attached of my credit report on the following dates ( XXXX and XX/XX/year> ). I am requesting you investigate this account and update this account and update these payments to paid on time immediately. 

Thank you for your prompt action.

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 2024-12-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-06 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: NY

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have accounts left that need to be removed or Block. Per FCRA XXXX XXXX you are required to remove any accounts listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I called American Express and they told me that there was no record that I even had a credit card with them. Not even in collections. But Ive received numerous emails saying they can reduce my balance owed if I give them a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been calling and emailing NewRez LLC since XXXX XXXX. I have talked with multiple XXXX in the property tax dept. They have all opened tickets but nothing gets resolved and no one has ever called me back or responded via email. The last note was in XXXX, I called and they said the tax overpayment money should be in my escrow account as of XX/XX/XXXX about XXXX months after it was sent back to them by XXXX XXXX XXXX XXXX. To date, it has never been put in my account. NewRez uses Corelogic as their XXXX party vendor, I had a XXXX from XXXX, who said the money is hung up with NewRez, on a XXXX call with NewRez in XXXX. NewRez was trying to say that the money is hung up with XXXX but, another research ticket would be opened. I called again today, XX/XX/XXXX, spoke to XXXX in the property tax dept. was told that the ticket was closed, no other information was provided, the money is not showing in my account and another " research ticket '' will need to be opened. I asked why the XXXX one was closed without resolution, she could not answer and kept repeating that another one needs to be opened. I asked to speak to supervisor, XXXX attempted to get XXXX on the phone, after about XXXX mins, XXXX said that the supervisor was busy helping someone but would call me in XXXX. This is unacceptable, it should not take over XXXX months for money that was sent back to them to be put back in my escrow account. I was trying to resolve this before NewRez paid my XXXX property tax and cause me to now have a negative balance in my escrow account because it will cause my mortgage payment to increase to where it might become unaffordable. I want NewRez to return the {$2700.00} back into my escrow account ASAP. Thank 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 explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 non-monetary relief
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
RE : Follow-Up on Dispute Regarding Inaccurate Information on My Credit Report Subject : Formal Complaint - Noncompliance with 15 U.S.C. 1681e and 1681s-2, General Prohibition on Reporting Inaccurate Information ( 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( C ) ), Duty to Correct and Update Information ( 623 ( a ) ( 2 ) ), Duties of Financial Institutions ( 623 ( a ) ( 7 ) ), Failure to Promptly Modify, Delete, or Block Information ( 623 ( b ) ( 1 ) ( E ) ) : Failure to Assure Maximum Accuracy ( 1681e ( b ), Unauthorized Access Violations ( 1681e ( a ).

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax several times and sent in information regarding identity theft, the company has yet to remove the following fraudulent inquires from my credit report XX/XX/24 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I have filed several disputes with Experian regarding their arbitrary reduction of my credit score based on information they have been reporting for several years. They reduced my credit score by XXXX points. After closing the dispute their website has a link to enter a consumer statement but it brings you your credit report but no way to enter a statement. Also, there is no way to enter a General Consumer statement on the site. It seems Experian has made it purposely difficult for consumers to explain errors or unfair credit reporting practices in defense of damaging information published. This is the XXXX time I have complained about this 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 2024-12-05 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
GREETINGS YOU Never Validated this DEBT with any DOCUMENTS, purchase agreement. You FAILED TO SEND ME CONFIRMATION OF THIS ACCOUNT. I sent you a letter in XXXX stating you to CEASE AND DESIST if you can't VALIDATE the account. YOU are CONTINUING TO COMMUNICATE WITH ME BY DAMAGING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Signed up for free trial for XXXX  then company charged me {$18.00} when I tried calling for days on end to cancel the trial and I have been unable to log in because the system is asking me security questions that Ive never even selected. The only email I have says to finish signing up for an account. I want my money back immediately

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 2024-12-05 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: FL

Complaint narrative:
First of all, i've been experiancing inaccuracies on my experian and XXXX XXXX XXXX..Experian is not following the guildlines from the fair credit reporting act ... Experian is allowing a late payment on my report due to regions bank errors and regions not followering procedures under the fair credit reporting acts... IT STIPULATE, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD OR A LINE OF CREDIT AS LATE FOR ANY PURPOSE, UNLESS THE CREDITOR, WHICH IS REGIONS BANK MAILED OUT TO CUSTOMER PROOF THAT THEY MAILED A LETTER OR STATEMENT 21 DAYS BEFORE THE PAYMENT WAS DUE, .. ( SECTION 1637 ( B ) 15 US CODE 1666B..THIS BANK AND EXPERIAN IS BLATANTLY IGNORING THESE LAWS... I'VE EMAILED DOCUMENTATION TO SHOW THAT I WAS A VICTIM OF IDENITY THEFT WHICH STARTED THIS FIASCO, XXXX XXXX SAID IN 1 OF THEIR RESPONSE, THAT I WAS NOT A VICTIM OF IDENITY THEFT NOR WERE THEY AWARE OF XXXX AND XXXX FRAUDULENTLY TOOK {$590.00} FROM MY CHECKING ACCOUNT ... THEY LIED ... .I EMAILED THE POLICE REPORT AND DOCUMENTATION TO PROVE THAT THIS IS WHAT TOOK PLACE AND THIS IS WHY MY LINE OF CREDIT WAS LATE BECAUSE THE BANK TELLER DID NOT ATTACHED MY LINE OF CREDIT TO MY NEW ACCOUNT AFTER THE FRAUD TOOK PLACE AT XXXX XXXX AGAIN ... IM PROVING THAT THS BANK OR WHOEVER IS RESPONDING TO MY CLAIMS ARE NOT REPUTABLE, MY INFORMATION THAT I SENT WILL PROVE THAT...

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 2024-12-05 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: TX

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-06 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: TX

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-12-05 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation