vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts exhibit inaccuracies in reporting, with incorrect amounts and dates.

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 2024-05-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year> I filed a dispute on fraudulent activity on my account to chime in which happened on XX/XX/year> for the amount of XXXX someone XXXX XXXX  there self from my banking account of the name of XXXX XXXX my bank fail to notify me about anything pertaining to the case then I checked my account says its been denied I should have a email about reason on XX/XX/year> check email no email from chime

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since XX/XX/2022 i have applied 23 times with the XXXX XXXX XXXX XXXX and all of the times i get denied, my lender used to be XXXX XXXX XXXX, while i was with them, XXXX XXXXXXXX denied me because XXXX XXXXXXXX said that XXXX told them my loan was originated as " Investment '' which i asked XXXX to change that as i only own 1 property, once they changed that, i reapplied, and i got denied again, for the same reason, because of the origination.

My loan was transferred to Shellpoint so i guessed they waa going to share the right information to XXXX XXXXXXXX XXXX, so i reapplied, then i got denied again for this message " Your servicer indicated that your loan has matured. The amount due to bring your loan current is over the {$80000.00} program limit. '' During that application i sent to XXXX XXXXXXXX my latest mortgage statement which shows as XXXX XXXX XXXX : {$71000.00} and a XXXX. 
It's impossible that either the lender can even say that or that they can not confirm that information reflecting on my mortgage statement. 
I am dealing with my XXXX XXXX plus this issue since XXXX. Now XXXX XXXXXXXX closed their application and i am unable to re apply and get the benefits because either Shellpoint which is my lender is giving them the wrong information or XXXX XXXXXXXX is just not wanting to provide me their benefits. 
I really need help with my loan, i am a XXXX XXXX person, i want to keep my home and i am really desperated cause i am eligible to it but there is a miss communication or someone is not taking the right time to check on my application and just denied me XXXX times. 
I am going to the TV to say my issue because is not fair that this is happening. I need CFBP communicates with XXXX XXXXXXXX and with Shellpoint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been banking with Chase for over 12 years. I recently had a hardship and accidentally overdrafted my account. I added money to XXXX XXXX in small amounts, not realizing I would be charged excessive overdraft fees. I thought I had overdraft protection on or it wouldnt allow me to add funds to XXXX XXXX. I was charged a total of {$230.00} in overdraft fees over a 6 day period. Three {$34.00} overdraft fees on XX/XX/2024 Three {$34.00} overdraft fees on XX/XX/2024 and one {$34.00} overdraft fee on XX/XX/2024. I am respectfully requesting to have these overdraft fees waived and returned to my account. Once I saw this happening I made the account positive and no longer in the negative. I never even overdrafted or took {$230.00} but the bank in error kept charging me {$34.00}, 7 different times. This is an unfair bank practice and your exploiting customers that are already dealing with a tough economy. Most banks dont even charge overdraft fees. Please help me and refund the excessive overdraft fees. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I initiated external transfers from Citizens Savings account. The transfer was mean to pull money from XXXX XXXX XXXX XXXX and deposit it in the Citizens savings account. 

Transfer XXXX : XX/XX/XXXX : {$5000.00} Transfer XXXX : XX/XX/XXXX : {$5000.00} On XX/XX/XXXX XXXX, I get emails from Citizens that the transfers have failed and the money will be deposited back to the sending account withing 3 days. 

Both the transactions were debited from XXXX XXXX XXXX XXXX account. 

I called multiple times over the week of XX/XX/XXXX but each time the Citizens banker tell me that they have sent the money back and should be able to see it soon. 

I checked with the other credit union and they have not received anything. 

Citizens has kept my {$10000.00} pending for more than a week and there's indication on when they plan on releasing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: GA

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 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 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 non-monetary relief
Consumer complaint received 2024-05-03 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 recently looked over a copy of my credit report and noticed fraudulent activity on my 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 2024-05-03 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: NY

Complaint narrative:
I recently looked over a copy of my credit report and noticed fraudulent activity on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis has reported information on me that is false and does not belong to me. Including addresses and names that are not myself. This information has been used to open accounts that were not approved by me. Incorrect Addresses : 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Names ) : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ( PHONE NUMBERS ) XXXX, XXXX ( EMAIL ) : XXXX, XXXX, XXXX. All of this information hs been reported by LexisNexis and violated meand allowed fraudulent accounts to be opened without my permission. I have filed a Identity theft report or al ; of this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
On XX/XX/year> I received a text message from number XXXX saying that Credence Resource Management LLC was attempting to collect on a debt in the amount of {$1400.00} and that I could settle for {$950.00} if i paid by XX/XX/year>. I printed a debt verification, filled out and mailed it on XX/XX/year> saying that I am not denying or agreeing to the debt but I would like verification. No one has contacted me even though I put all of my contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: AL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I didn't authorize these Companies to pull my Credit. I requested my signature of contract. 

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

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 2024-05-03 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:
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 15 USC 1681. 

Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 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 2024-05-03 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:
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 15 USC 1681.

Account Name : DEPTEDXXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 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 2024-05-03 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: Westlake Services, LLC
State: OH

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached the report with all companies names and dates.

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 2024-05-03 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: Open Dealer Exchange, LLC
State: OH

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached the report with all companies names and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I recently discovered a collection report on my credit file that does not accurately reflect my financial history. The collection entry is dated XX/XX/2023, and it pertains to an amount of {$5500.00}. Upon noticing this discrepancy, I took immediate action to investigate the matter further.

I sent a mail to " Columbia Debt Recovery LLC, dba Genesis XXXX XXXX XXXX, XXXX, WA XXXX. ( XXXX ) XXXX, XXXX '' requesting all communications be in writing, but I continued to get calls and emails from them. 

After carefully reviewing my records, I found no evidence of any outstanding debts or delinquent payments that would warrant such a collection report. I contacted the credit reporting agency to dispute the entry and requested verification of the debt from the collection agency. However, despite my efforts, the collection remains on my credit report, negatively impacting my credit score and financial standing.

Actions Taken : Contacted credit reporting agency to dispute collection entry.

Requested validation of debt from collection agency. 
Provided supporting documentation to substantiate my claim of erroneous reporting. 
I kindly request your assistance in investigating this matter further and expeditiously removing the inaccurate collection report from my credit file. Your cooperation in resolving this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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: PA

Complaint narrative:
I am submitting this complaint to address the late payments recorded on my credit report. Despite my efforts to rectify this issue, including sending letters over 30 days ago, I have not received a response nor satisfactory validation. I request your prompt assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: IL

Complaint narrative:
I already disputed this items multiple times but it still shows negative on my report. Below are the items with discrepancies. I was never late to any of these accounts they paid always on time. I also attached the letters I sent to each of the bureaus. I never received a response or resolutions to any of my disputes. 

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 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 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 non-monetary relief
Consumer complaint received 2024-05-03 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I want these inquiries to be deleted because I did not authorize these companies to run my credit. Ive attached the report with all companies names and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. 

They have sent responses that appear to be automated and in no way have acknowledged my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Listed below are the dates and accounts of these unverified-unauthorized accounts. XXXX XXXX XXXX : Transunion XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Transunion XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  : Transunion XXXX, XXXX XXXX. XXXX : XXXX XXXX, Transunion XXXX, XXXX XXXX. I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved asking for signature showing proof that I guaranteed payment to this debt collector, I asked for a detailed list showing I made payments on this account, and proof of chain of title you have to collect on this debt.

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