vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XX/XX/XXXX issued a stop payment order on a check for {$3000.00} WFC advised the check had been stolen and directed i take this action On XX/XX/XXXX WFC accepted the stolen check that had been washed and deposited at a XXXX ATM. the XXXX fraudulent check was debited from my account. the check was debited XXXX week after the XX/XX/XXXX stop payment order had been filed. WFC has the records of the washed, fraudulent check and the stop payment order. 
since that time I have talked to XXXX WFC departments : Account Takeover, Online Fraud, On line tech support, everyday banking, customer service, customer advocate, compliance exec office, claims and premier banker local branch. 
latest status is WFC still investigating what happened. Customer advocate has noted that the Stop payment was not honored due to a WFC error. Claims now says received report on XX/XX/XXXX and telling me to wait for another 10 days. Claims says they are investigating why this fraudulent check was accepted. Trying to determine if WFC or XXXX made the error. Compliance exec says there would be another waiting period before crediting to my account. meanwhile i have been out the XXXX since XX/XX/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 monetary relief
Consumer complaint received 2024-07-12 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: AL

Complaint narrative:
The following inquires were opened up under my social security file fraudulently. These inquiries were not done by me. These inquiries are in violation of my FCRA rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-12 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: EQUIFAX, INC.
State: VA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, VA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX Listed below are the Collections that are being challenged Unknown - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Our mother passed away in 2020 without a will. When she passed away we notified them of the death, and were sent paperwork, including a form to fill out to be declared successors-in-interest. 

They listed four items they would accept -- one line item being a combination of the probate cases Letters of Administration and an affidavit determining her heirs filed with the County Recorder of Deeds. Other line items were a court order or an executed deed. 

We completed the first line item. According to my sister, she spoke to Chase today, XX/XX/XXXX, and that they say that now, even though we have done that, we now need to get a deed executed. Our attorney had previously said an administrator 's deed was not correct. There is no other way to execute a deed in our process to our knowledge. And besides, this should be enough -- or at least, it is according to their own process document. Their own process document recognizes that updated deeds are not always available. 

It feels like this is a scheme to defraud consumers and heirs of deceased borrowers of their rights as Successors in Interest, which include the right to assume financial responsibility to the loan under much more favorable terms. We have to assume financial responsibility for the loan in order to complete probate in our state. 

A copy of Chase 's successor-in-interest packet, showing the documents they say they require, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information require
d by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) section 611, It is illegal to report inaccurate information on my credit report Please remove this item from my credit report. XXXX XXXX {$210.00}

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 2024-07-12 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: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such an account and also other documents so I may review to see if this is actually an account that belongs to me. This company has failed to provide me with such documents. 

This company continues to report multiple instances of inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act. Despite repeated disputes with the credit reporting agencies, these errors persist, threatening my financial credibility and potentially harming my access to credit. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure compliance with the FCRA to protect my consumers rights, Validation of Debts 15 U.S.C. 1692g Account reporting inaccurate : 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 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 DEPT OF ED XXXX, DEPT OF ED * XXXX, DEPT OF ED * XXXX, DEPT OF ED XXXX, DEPT OF ED * XXXX, DEPT OF ED * XXXX, DEPT OF ED * XXXX, DEPT OF ED XXXX, DEPT OF ED XXXX, DEPT OF ED XXXX, DEPT OF ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MS

Complaint narrative:
Hello, my name is XXXX XXXX I were banking online with XXXX XXXX and Chime bank and on the XXXX of XXXX my funds were moved or stolen out of that account without my authorization and on XX/XX/XXXX the chime bank account was hit with funds being removed without my authorization they stole funds from my XXXX account on XX/XX/XXXX and they stole funds from chime bank on the XXXX in total of {$2300.00} and I have been in a XXXX  state over this, because that's the only income I receive monthly from SSI benefits. I have been without my pay because of the unsafety of my account through those banks which they assured me that my accounts were safe. Please I just need them to refund me my money back I have contacted them several times and put in disputes I also went to my local police department to file a report on the transactions. These people were or in XXXX Florida, but I am a resident of XXXXi. I just need for them to refund my money back so that I can pay my rent and utilities. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have mailed out dispute letters regarding old addresses no longer associated with me and employers on XX/XX/year>. I have yet to see this information updated on my credit report through identity XXXX. All information must be up to date and accurate. Any time i call bureaus to remove and update very simple things, they give me a hard time, and hang up the phone. Customer service when calling Bureaus, especially XXXX is the WORST ever when it comes to communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have mailed out dispute letters regarding old addresses no longer associated with me and employers on XX/XX/year>. I have yet to see this information updated on my credit report through identity XXXX. All information must be up to date and accurate. Any time i call bureaus to remove and update very simple things, they give me a hard time, and hang up the phone. Customer service when calling Bureaus, especially XXXX is the WORST ever when it comes to communication.

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 2024-07-12 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
i had fraud on my venmo account and when I resolved it venmo refuses to let me access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: NJ

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to convey to these accounts that are in collections that they do not belong to me. The following is the accounts I want removed from my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts show as collections and closed accounts because I never opened them nor used them Someone used my information and opened these accounts without my consent I am asking to please remove them from my credit they have destroyed my prospects of ever buying a home or even a decent car

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 2024-07-12 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: IL

Complaint narrative:
I have been trying to convey to these accounts that are in collections that they do not belong to me. The following is the accounts I want removed from my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts show as collections and closed accounts because I never opened them nor used them Someone used my information and opened these accounts without my consent I am asking to please remove them from my credit they have destroyed my prospects of ever buying a home or even a decent car

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 2024-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlas Collections Inc. (of New Castle)
State: IN

Complaint narrative:
In XXXX of XXXX, I noticed that my wages were being garnished at an alarmingly high rate. I was never served paperwork or notified of a court action against me. I did my own research and found that my paycheck was being garnished by Atlas Collections XXXX XXXX XXXX, Indiana. I called Atlas Collections to get more information on the garnishment, the debt, and to whom the debt was owed. My initial conversation with Atlas Collections involved the representative telling me that I had not one, but two garnishment orders that would be garnished from my paycheck in the amount of almost {$20000.00}. One garnishment was for a rental property that myself and my ex-husband had rented together, and the other for a XXXX bill that occurred when I was around XXXX XXXX XXXX. Since I had a court-ordered garnishment, I didn't know what, if anything, that I could do. They were taking 25 % of my income. I have XXXX dependents, no state help, and bills to pay. This caused a significant financial impact on myself and my family. I called Atlas Collections again in either XXXX or XXXX of XXXX ( this can be verified by my cellphone accounts ), and I spoke to a representative about obtaining an itemized statement of everything that they claim I owed to them. They responded that they would be happy to send me that information. I received a letter dated XX/XX/year> from Atlas Collections, expecting to see ALL of the " debts '' that I owed to their company alongside a breakdown of interest accrued. I received a letter stating that, " The following is an itemization of your accounts as of XX/XX/year>. '' It does not show the XXXX  account at all, rather it ONLY shows the property account that they are collecting via garnishment. I wrote to the court from where the garnishment originated and asked them to take a look at the case. I now have a new court hearing ; however, I find that Atlas Collections and the court 's " due diligence '' to notify were not entirely very diligent. It blows my mind that they were able to locate my employer and garnish my wages, but they were never able to serve me papers on the matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
FREEDOM MORTGAGE services my home loan. I received an escrow shortage notice from them that gave me the option to either avoid an increase of my monthly mortgagepayment bypaying off the shortageamount in full, or I could opt to fold the shortage into my monthly mortgage payments, which would resultin an increased monthly amount due. I chose to pay the escrowshortage in full. This payment was made to Freedom in XX/XX/year> and I called their customer service department to confirm that the paymentwouldbe applied to the escrow shortage. I was told that it would, however Freedom failed to do so, I calledFreedom customer service again in XX/XX/year> to make the same request and was assured that this time it would be done. However, to this very day, Freedom has still not applied the escrow payment and lowered mymonthly mortgage amount. Freedom is purposely misapplying paymentsto fabricate their receivables. This is fraud.

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 2024-07-12 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: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-07-12 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: CA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
A PAYPAL CREDIT line was opened fraudulently under my name. I have contacted the company, Syncrony Bank with whom the account was opened with numerous times and apparently the charges where made with the use of an old last name and a very old address. I'm an not aware of any of these charges and should not be held responsible. These charges were made fraudulently.

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