vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 : 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 2024-12-20 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-20 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: MA

Complaint narrative:
Im beyond frustrated after looking at my credit report and seeing multiple inquiries from your company that I never authorized. These inquiries are wrecking my credit score, making it impossible to get decent loan terms, and adding unnecessary stress to my life.

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 2024-12-20 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: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-20 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I opened a joint account at Chase Bank with two paychecks from my employer. 2 days later when I tried to set up XXXX, I saw that my account was to be closed. I went to the branch multiple times to attempt to empty my account before closure date. They refused to give me my funds citing fraud activity on a previous account that was closed a year prior. And that they would only release funds with verification from the sender via a direct call from their fraud department. I made my employer aware of this issue and for a period of several weeks he was accepting calls from unknown numbers, but never once heard from the bank. 
XX/XX/year> they empted and closed my accounts and cut me checks for the remaining balance, but never sent these checks saying they needed verification from the check sender before they would release the checks to me. And again that the only accepted for verification is a phone call from their fraud department. 
I brought other paychecks from the same employer to the bank and cashed them with no issue. 
The PDF pay stub is password protected The password is as follows : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I opened up my bank account at a credit union a year and a few months ago. At the time I did not have a phone number and I also used an email which is a different email from my current email to make this bank account. I set up the bank account with XXXX XXXX XXXX XXXX. I also set up a Zelle account, which can be made by linking your bank account and an email to Zelle. And then you will be able to transfer. However, I eventually tried to change the email that was linked to Zelle to a different email address. I did this by trying to access the Zelle setting on the credit union website. Which can be found when you go to a section called " transfer money with Zelle and the pressing on the settings of that section. But every time I went to the Zelle settings within my credit union website, it would log me out of the credit union immediately. I would press it then it would log me out half a second later. I could briefly see my settings, but it would always log me out in under a second. I tried changing it on the app on my smartphone, that did not work either. I also tried it on my desktop and also tried the website of the credit union on the browser on my smartphone, but none of these options worked. I tried accessing Zelle through the Zelle app and the Zelle online website as well, but it just redirects you to the bank where the Zelle account is set up with. I called the credit union customer service, and they said it is probably a backend issue, and it might work in a few hours. Days passed, and it still would log me out when I clicked on the Zelle settings. I called the credit union people again, and they referred me to a Zelle representative. But the Zelle representative was no help either. I even tried calling Zelle directly, and they told me to speak with my credit union, because it is probably an issue on their end. I eventually stopped trying. For personal reasons, I eventually changed my bank account email to the current email I use currently. I also tried accessing the Zelle setting again to add my number and change the email, but I was once again logged out when I pressed the Zelle settings. And the Zelle is still is only linked to that old email. I gave up and had not tried changing the Zelle information in the Zelle settings for a couple of months, but today a family member tried sending me money through Zelle. They were not aware that I did not have my number linked, and thus the money didn't send. I tried going onto the Zelle settings within the credit union website to add my number, but when I tried accessing the Zelle settings on the credit union website, I was logged out immediately. It shows the settings like my old email and so forth for half a second, then logs me out. So I don't know what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: IA

Complaint narrative:
I ( XXXX XXXX ) did a Consumer Credit Transaction on XX/XX/year> with JD Byrider/CNAC amount Financed ( {$13000.00} ). I was uniformed of the transaction and the behind the scenes work that was done. According to Truth in Lending Act I was suppose to receive a credit for the vehicle on my behalf for the Sum of all charges ( 15USC 1605 ). The first violation I seen with my transaction is when using a consumer credit transaction for property no cash is suppose to be involved whatsoever. I was informed I had to put down a down payment which 15USC 1662 ( 2 ) states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Another violation would be I was told I had to pay for Insurance out of pocket. Which also in 15USC 1605 ( c ) ( c ) Property damage and liability insurance premiums included in finance charge. I also did a UCC 11 Search with my state to see if any Liens were attached to my name and according to them I dont. I have a copy of that certified and notarized also. Im wanting to make this consumer transaction correct! I would love the title to my vehicle and my finance charge reimbursed and every dollar paid out of pocket due to breach of contract.Ive also been hung up on by the manager while trying to work this out. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024 my wife received a call from a person identifying herself as employed by the Chase Bank Fraud Department. She said there was a problem with our checking account at the Chase Bank. She asked my wife to go to the bank and withdraw {$5000.00} and take it to another Chase Bank office and re-deposit it. My wife withdrew the {$5000.00} and drove a few miles to another Chase branch and deposited at the auto teller. The caller continued the call all the time my wife traveled to the two banks and gave my wife the number she was to use to make the deposit. The number was my wife 's debit card number which she had not given to the caller. After she deposited the funds the auto-teller did not give her a receipt but after the money was deposited when my wife went to get a receipt the caller told he that she had already selected for her to get a receipt by email and a message appeared on the screen that said a receipt would be emailed to her. The caller said she would call my wife again on XX/XX/XXXX and she hung up. My wife came home and told me about this experience and we were very uncomfortable so she called the branch where she made the deposit and spoke to an employee identified as XXXX. She explained what had taken place and XXXX said she would file a claim with the Chase Fraud Dept. and get back to my wife. 
There was no return call so my wife called the branch where she had made the deposit and asked to speak to XXXX but she was not there. The bank employee said she could not find any claim but she would file a claim. My wife asked to be transferred to the Fraud Dept and was put into a call wait line and told to leave her number and they would call her back so she hung up. She then called the number on the back of her debit card and cancelled the card and was told she would be sent an new card. A new card arrived about XXXX weeks later. She called the number on the back of the new card and spoke to a man in the Fraud Dept. whose name she was not able to understand. He told her that this was a case of stolen identity and it would take about 10-15 days to investigate but the bank would refund the money and he would get back to her. No call came from the Fraud Dept so she called again on XX/XX/XXXX and spoke to two men and then to a woman manageXXXX named XXXX and was told that she had been scammed but the bank had no record of the deposit of {$5000.00} so there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: IN

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail, tracking # XXXX, requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. 
I included a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 
I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do under the FCRA I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response, as proof.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo opened a host of unauthorized accounts, employees created debit cards/PIN, processed fraudulent transactions in excess of {$100000.00}, closed my account when they discovered employee fraud occurred on my accounts, trespassed me from the bank, failed to provide restitution in accordance with the consent order placed by federal regulators.

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 2024-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Credit Reporting AgenXXXX Name Experian XXXX XXXX XXXXXXXX Account Number XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth.

2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification.

3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the XXXXedit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute.

I believe the charge-off is inaccurate for the following reason ( s ) : This information must be verified and evidence of the investigation sent.

I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor Provid n
ot substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.

Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, 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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
In fall XXXX, our mortgage was sold to Selene Finance. Our mortgage was an escrow mortgage in which our property taxes and home owners insurance was paid. In XX/XX/XXXX, i received notification that our property taxes as well as our home owners insurance had not been paid. Selene Finance argued with me that our mortgage was not an escrow mortgage and when i asked why our statement showed funds being paid toward escrow, they still said i was wrong. After numerous calls, they realized that our mortgage was in fact an escrow mortgage and they took care of the property taxes and i had already paid our home onwners insurance because i did not want our home to be uninsuured and have further issues regarding that matter. My insurance agent sent over the eclause for our insurance to be covered and we were told everything was set up and this would not occur again. Fast forward to XX/XX/XXXX, i receieved notice that my home owners insurance had not been paid again. They have paid my taxes but not my insurance. When i called, i was told again that my account is not an escrow account. Even though they seem to now be only escrowing my property tax, i previously had a mortgage that escrowed both and during the sale of my mortgage, clerical error must have occured and my loan is not set up to pay insurance. After asking numerous times and trying to sort this out, Selene Finance has still not fixed my loan.

Company response to consumer: Closed with explanation