vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I received an alert from XXXX XXXX ( XXXX  XXXX ), XXXX XXXX, and Experian I had inquiries on XX/XX/2023. I had just gotten a new I phone because mine had been acting up, so I couldn't check it until I got home. I not only found XXXX from XXXX but also another one from XXXX. 
I called the XXXX XXXX XXXX ( CRA ) and the card issuers but the card issuers wouldn't tell me anything and the CRA 's said I had get a police report and FTC report and mail them in, which I did.

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 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers has violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint narrative:
I have experienced a case of an Identity Theft - my Experian account was stolen and I can not regain access to the account due to the discriminatory processes set up by Experian. 

XXXX. My account was stolen on XX/XX/2023. Somebody created an account with Experian, updated my mailing address, Email and phone connected to my SSN. They attempted to open a credit card with XXXX. 
XXXX. I was able to track this activity, notified the credit bureaus, filed the report with FTC, contacted XXXX to stop the issue of the credit card. Regained access to my accounts with XXXX and XXXX. 
XXXX. Since then, I wasn't able to regain access to Experian account : a. The people who updated my personal information have changed the security questions and contact information- Experian continues to send password information to those fake Email address and the phone number. 
b. Experian is asking some additional questions about the credit history and it seems like I don't get some of them correctly, since those might have been modified by the thieves since the questions rely on some address history, people who lived at the address, and the phone number - I can't know what information they put into my account. 
c. Finally, Experian leaves an option to send them my utility bills from my address to confirm my identity ( along with other documents ), however, I can't do that since I didn't pay for my utilities ( those were paid by the landlord ). 
All of that leaves me out of options and with no way to reclaim my Experian account. I have spent at least XXXX hours on the phone with their customer support and they haven't been helpful. This is frustrating and I haven't had such issues with other credit bureaus.

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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: IA

Complaint narrative:
On XX/XX/2023, I became the target of an elaborate and deceptive phone scam. The scammer, posing as XXXX XXXX XXXX from the XXXX  XXXX Police Department, falsely claimed there was a warrant for my arrest due to missed jury duty. They skillfully manipulated the situation, pressuring me into believing that immediate payment of {$1500.00} was the only way to avoid arrest. Trusting the authority of the supposed officer, I transferred the amount via XXXX to a purported XXXX XXXX, XXXX XXXX. 

Upon realizing the fraud, I took immediate and prudent steps to protect my assets. I promptly contacted XXXX XXXX at XXXX XXXX XXXX, explicitly instructing them to secure my account against any unauthorized transactions. Shockingly, despite their assurances, XXXX XXXX failed in their fundamental duty to safeguard my account, resulting in the unauthorized debit of {$1500.00}. This failure occurred even after I had clearly communicated the risk and urgency of the situation. 

My attempts to rectify the situation through proper channels, including reporting to the XXXX  XXXX Police Department ( XXXX XXXX. XXXX ) and XXXX, were met with a stark and distressing lack of support from XXXX XXXX. Their response was not only inadequate but also negligent, leaving me exposed to financial loss that could have been prevented with basic diligence and prompt action. This incident has not only resulted in a significant financial setback but has also shattered my trust in XXXX XXXX 's ability to protect their customers ' interests and funds. 

See attached documentation for further details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03 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: EQUIFAX, INC.
State: IN

Complaint narrative:
RE : DISPUTED INQUIRIESXXXX. 
ON XXXX XXXX, I RECEIVED MY CREDIT REPORT FROM EQUIFAX AND IT SHOWED INQUIRIES THAT I DID NOT AUTHORIZED. I UNDERSTAND FULLY THAT EQUIFAX SHOULDN'T BE ALLOWED TO PUT AN INQUIRY ON MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. I ASKED EQUIFAX CREDIT BUREAU TO REMOVE THE INQUIRIES FROM MY CREDIT REPORT WITHIN THE 15 DAYS OF THE LAST NOTICE OF THIS LETTER. THE FCRA LAW STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONE'S CREDIT IS FOR : A. A FIRM OFFER OF CREDIT B. INSURANCE C. EMPLOYMENT D. COURT THE FOLLOWING CREDIT INQUIRIES ARE RELATED TO NONE OF THE AFOREMENTIONED PERMISSIBLE XXXX XXXX XXXX : XXXX XXXX. 
XXXXXXXX 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 AND AS A MATTER OF FACT UNAUTHORIZED INQUIRIES ROUTINELY ARE REMOVE FROM ALL CREDIT BUREAUS IF THE CONSUMER DID NOT GIVE THEIR WRITTEN CONSENT IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT LAW THAT THE CREDIT BUREAUS SHALL REMOVE DISPUTED INQUIRIES FROM A CONSUMER 'S CREDIT REPORT PROMPTLY. XXXX XXXX XXXX IS NOT AN INQUIRY, IT'S A DEBT COLLECTOR AND I NEVER SIGNED INTO AN AGREEMENT WITH THEM. MY LAST NAME IS NOT XXXX XXXX AND MY PHYSICAL ADDRESS IS STILL WRONG AFTER I SENT EQUIFAX THE PROPER IDENTIFICATION, WHICH IS A VIOLATION OF MY CONSUMER RIGHTS. SHOULD EQUIFAX FAIL TO RESPOND TO THIS LETTER WITHIN 15 DAYS, I WILL NOT HESITATE TO REPORT THESE VIOLATIONS TO MY STATES ATTORNEY GENERAL, THE FEDERAL BUREAUS AND THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collect ing the debt Falsely represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person, unless such action is lawful and intended by the debt collector or creditor This debt shall be deleted immediately both Capital One debts shall be deleted the consumer stated that the individual did not respond to debt forcing the individual to accrue fees and interests that subjected the individual to major debt amounts which could have been prevented furthermore in order for the individual to have these items remove the company stated that the individual did not furthermore communicate this information as stated above in the law this is a crime by the business which prevented the individual from payment and forced a debt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-03 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:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
There was an issue a while back where my taxes were we're being paid to the wrong address and once it was corrected they had to pay a lump sum to the county clerk to pay up all that they owed. However the problem was they had already paid out some for that year so it pushed my escrow account into the negative which increased my monthly payments by a large amount. I was able to reach out and have them look into the issue and realize that they had sent out a payment for the returned funds from the incorrect tax payments and that had never gotten to me so they were able to stop payment on that check and apply that payment to my escrow account to bring it back up however they still were never able to get my payments back to the original amount it was beforehand. I have told them numerous times the reason I believe that this is the issue is because there is an extra payment that was made last year besides for the total taxes that were paid and when I look at my account it says the total taxes that were paid out were around {$950.00} over what my taxes were for the year. ( My account shows that for the year XXXX taxes were paid at the amount of {$4300.00} when in reality the tax bill was about {$3400.00} and for reference for the year XXXX even after taxes have gone up about {$100.00} or so the only paid {$3500.00} ) They can not seem to figure out where that payment is and why my monthly mortgage payment is still higher ( I was told at the time that the escrow analysis was made after refunding that payment to my escrow that there still is a slight deficiency even though it's not in the negative but it should have a cushion and until I add enough to the escrow I'll be paying slightly higher payment monthly however if all the payments made to taxes were correct and all the extra money was refunded to the right people my payment shouldn't have gone up )

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft and have filed the correct paperwork according to the FCRA. The FTC report is not being field correctly and attached to my disputes. I am not getting copies of the verification process. The reps on the phone do not speak English correctly and do not do what they are supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft and have filed the correct paperwork according to the FCRA. The FTC report is not being field correctly and attached to my disputes. I am not getting copies of the verification process. The reps on the phone do not speak English correctly and do not do what they are supposed to do.

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 2023-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers has violate my rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I can't get an apartment about to be homeless because of negative information its defamation of my character. according to the 15USC and 1681

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 2023-12-03 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: MD

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS OR INQUIRIES XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$8000.00} written off. XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$29000.00} Status Account charged off. {$24000.00} written off. {$29000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$15000.00} Status Foreclosure proceedings started. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX - Status Account charged off. {$11000.00} written off. XXXX XXXX LATE PAYMENTS NEED TO BE REMOVED XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 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: MD

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS OR INQUIRIES XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$8000.00} written off. XXXX XXXXXXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$29000.00} Status Account charged off. {$24000.00} written off. {$29000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$15000.00} Status Foreclosure proceedings started. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX Balance - Status Account charged off. {$11000.00} written off. XXXX XXXX LATE PAYMENTS NEED TO BE REMOVED XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

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 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I put {$350.00} dollars in a Chase ATM at XXXXXXXX XXXX. on Saturday XX/XX/XXXX at the location on XXXX XXXX. The money never deposited into my account, and the deposit didnt register.

Company response to consumer: Closed with explanation