vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
To whom it XXXX concern, In XXXX XXXX used Zelle from XXXX bank to sell XXXX. Then, without notice, my account was blocked. I tried contacting XXXX to resolve the issue and they stated that the problem was that Zelle was blocking my token due to breaking terms and conditions. I was unaware that any terms and conditions were being violated as there was no warning or contact from Zelle. I contacted Zelle and they stated that only XXXX can reinstate my Zelle account. Afterwards, I contacted XXXX and they toId me that only Zelle can reinstate my Zelle account. I have been getting the run around. I put the issue aside for a few years, until this year, and I tried starting over with the whole Zelle process. No resolution was offered. I am looking for anyway that I can reactivate my Zelle account even if it means being under a probationary period or under an " Account Monitoring '' method. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding the sudden and unexplained closure of my checking account. Below is a detailed timeline and account of the events : I am currently preparing for my wedding, and my father transferred a total of {$50000.00} to my checking account from his XXXX XXXX brokerage account to help with wedding expenses. The transfer was perhaps initiated on XX/XX/year> and I received the amount on XX/XX/year>. 
After receiving the transfer, I attempted to move the funds into my high-yield savings account until payments for the wedding were due. I attempted this on XX/XX/year> Shortly thereafter on XX/XX/year>, I was notified that my Chase account had been completely locked. This action was taken automatically without any prior warning or explanation. 
I immediately contacted Chase customer service at both the national helpline and my local branch, requesting that my account be unlocked. However, both times I was refused access to my funds, and I was not given any valid reason for the account freeze. 
I no longer have access to my online banking accounts, which has caused significant disruption, including preventing me from making timely payments on my Chase credit card. The bills are typically paid on time through the Chase portal and linked checking account. 
Additionally, I contacted XXXX XXXX to verify that there were no issues with the {$50000.00} wire transfer. XXXX confirmed that the transfer was completed correctly and there were no errors on their end. 
Despite this confirmation, Chase has not provided any explanation or resolution regarding the issue. 
I also noticed that my XXXX account was detached from my Chase checking account without my consent, which compounded the difficulty in accessing my funds. 
I am extremely frustrated and concerned about the lack of transparency and communication from Chase. I rely on this account for both personal and financial management, and I need immediate assistance in understanding why my account was frozen and how to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
I am reaching out regarding an unauthorized inquiry on my credit report. Recently, I was a victim of identity theft due to my information being compromised in multiple data breaches and subsequently exposed on the dark web. While most of the issues stemming from this incident have been addressed and corrected on my credit report, I noticed an inquiry dated XX/XX/year>, from a company called XXXX. 

I do not recognize this company, nor have I applied for any credit or services with them. I have requested TRANSUNION to remove this inquiry, but they have declined to do so, despite my clear communication that I am unfamiliar with Lightstream and can not explain why this inquiry is present on my report. 

I would appreciate any assistance the CFPB can provide to help resolve this issue. Thank you for your attention to this matter.

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 2024-11-07 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:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NJ

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I currently have an account on my credit report from XXXX XXXX XXXX XXXX, which was sold to NCA, a company affiliated with XXXX XXXX XXXX XXXX. However, XXXX 's Law Group is unable to provide any information regarding the delinquent account, citing an incorrect Social Security Number ( SSN ). I have reached out to XXXX 's XXXX XXXX via email to request clarification and to have the information removed, but I have not received a response. 

XXXX XXXX XXXX has also not removed the account, stating that the debt was sold to NCA. I filed a dispute with XXXX, but they have confirmed that the debt is being reported as accurate, even though no one is able to verify my SSN. 

I am formally requesting an investigation into the actions of Rise Credit of Alabama and XXXX 's XXXX XXXX, with the goal of having this account and the associated debt removed from my credit report due to the discrepancies regarding my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Jacob Law Group, PLLC
State: AL

Complaint narrative:
I currently have an account on my credit report from XXXX XXXX XXXX XXXX, which was sold to XXXX, a company affiliated with Jacob 's Law Group. However, Jacob 's Law Group is unable to provide any information regarding the delinquent account, citing an incorrect Social Security Number ( SSN ). I have reached out to Jacob 's Law Group via email to request clarification and to have the information removed, but I have not received a response. 

XXXX XXXX XXXX has also not removed the account, stating that the debt was sold to XXXX. I filed a dispute with XXXX, but they have confirmed that the debt is being reported as accurate, even though no one is able to verify my SSN. 

I am formally requesting an investigation into the actions of XXXX XXXX XXXX XXXX and Jacob 's Law Group, with the goal of having this account and the associated debt removed from my credit report due to the discrepancies regarding my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant XXXX it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and Transunion.

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 2024-11-07 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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 required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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!

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-07 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:
I am writing to formally request your assistance regarding an unresolved dispute on my credit report that involves Experian. Specifically, the XXXX XXXX accounts is still being reported as in dispute despite the fact that more than 30 days have elapsed since my initial dispute was filed. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), a credit reporting agency must conduct a reasonable investigation of the disputed information and complete that investigation within 30 days. If the information can not be verified, it must be deleted from the consumers credit report. 

Despite my compliance with the dispute process and the passage of the required timeframe, Experian continues to report the XXXX XXXX account as disputed. This failure to act is not only a violation of the FCRA but also adversely impacts my credit profile and overall financial standing. 

I respectfully request that the CFPB intervene in this matter and compel Experian to comply with its legal obligations by removing the inaccurate and unresolved dispute notation from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt assistance.

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 2024-11-07 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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 required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 XXXX and It was never provided. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX  XXXX of inquiry : XX/XX/year>.

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 2024-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We closed on our home in XX/XX/XXXX. We financed through XXXX with a monthly payment of {$5500.00}. As a part of closing, XXXX paid the tax bill to XXXX XXXX on XX/XX/XXXX in the amount of {$7400.00}. The mortgage was sold to Mr. Cooper in XX/XX/XXXX. Mr. Cooper paid the taxes again in the amount of {$12000.00} which caused our escrow account to go into deficit. XXXX XXXX noticed the error and sent a refund check of that same amount to XXXX, who is Mr. Coopers third party tax paying service in XXXX of XXXX. That check was cashed in XXXX of XXXX according to the XXXX XXXX XXXX XXXX. In XXXX of XXXX, we were informed that our Monthly mortgage was increasing to {$5900.00} because of the deficit in the escrow account. After spending several hours of our own time researching all of this, we spoke with Mr. Cooper who after XXXX weeks of back and forth said they did have the check and it would be refunded in XXXX days. They said until it hit the account we were still responsible for the deficit and would have to pay the higher mortgage for it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-07 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:
I am writing to dispute the past due status on my account for the original creditor " XXXX XXXX  '' with account number # XXXX with a balance of {$0.00}. 

I am a victim of identity theft and I can assure you this past due is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 1666B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.

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 2024-11-07 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:
I am writing to dispute the past due status on my account for the original creditor " XXXX XXXX '' with account number # XXXX with a balance of {$0.00}. 

I am a victim of identity theft and I can assure you this past due is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 1666B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.

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 2024-11-07 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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