vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your 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 2024-01-25 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: GA

Complaint narrative:
I don't want to have this on my credit XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am urgently appealing to you to promptly remove the unauthorized ACCOUNTS from my credit report, given that I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error swiftly.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Derogatory pymt reporting on XXXX XXXX and XXXX XXXX. Payments sent on time. Due to unknown payment increase, Citizens returned a Bank check and I was forced to receive it and get it reissued. I sent several excess payments between XXXX XXXX, exceeding new payment. Coincidentally, I was never late the exact year before of XXXX, XXXX. Loan had just been established XXXX, XXXX. Below are the incorrect reporting. 

Your Dispute Results Investigation Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Your Investigation Results INVESTIGATION RESULTS- DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed.

We investigated the information you disputed and updated : Date Updated. Here is how this item appears on your credit report following our investigation. 

CITIZENS ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details Account Details Payment Status Pay Status Current ; Paid or Paying as Agreed Terms {$830.00} per month, paid Monthly for XXXX  months Mortgage Info XXXX XXXX ID XXXX XXXX Acct # XXXX Last Payment Date XXXX. Again incorrect. Citizens is setup as auto send payment by my bank to be received by XXXX of each month. 
Payment History Rating XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXUnknown ( unknown payment increase ) in XXXX XXXX. Bank check returned to me by Citizens. Forcing me to return check to XXXX and requesting reissuance. I began making payment increase and excess payments to avoid negative reporting. Because of overpayment, Citizens refunded me XXXX XXXX in XXXX, XXXX. 
XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXX XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX Unknown- No late payment. Loan just established XXXX XXXXFirst payment due in XXXX, XXXX. Incorrect reporting. 
XXXX XXXXCurrent XXXX XXXX-Current

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I did a balance transfer and no fee or no interest for a year and a half balance transfer. However, it is a credit card I used a credit card six more times to purchase incidentals now according to the customer service I must pay interest on everything I have accumulated probably {$43.00} in fees in the last XXXX months or interest, even though I paid my incidental charges off plus additional money to lower the balance

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 2024-01-25 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: AZ

Complaint narrative:
Under 605B, the swift removal of this account is necessary. I am quite upset about its presence on my credit record, so I implore you to kindly erase this account, as it is not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo is double charging me overdraft fee for the same 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 explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
CFPB : My mortgage is serviced by AmeriHome Mortgage Company LLC. My taxes and insurance are paid by AmeriHome through an escrow account. AmeriHome has not paid my City of XXXX ( Kentucky ) taxes, which were due on XX/XX/XXXX. I have called numerous times and each time they tell me that they will pay it. To date, it has still not been paid. I have checked with the City on this and they have not recieved anything from Amerihome. My last phone conversation with AmeriHome was today and it made me me realize that they have not been proactive on this issue at all. The last payment they attempted to the City was rejected. To my knowledge, they did nothing to investigate why the check was not accepted and never contacted me to let me know. Had I not received ( yet another ) delinquent tax notice from the City, I might have let this go on even longer without realizing my taxes have not been paid. It is incredibly frustrating to rely on such an incompetent company to pay my taxes. I spent an hour on the phone this morning with them, which is an hour I have to take away from my own workday. Additionally, they are transferring my mortgage to a new company, XXXX XXXX, and I got the feeling that they do not care about my tax issue since I will no longer be their account come XX/XX/XXXX. Lastly, I did tell them that I'm filing this Complaint.

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 2024-01-25 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: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX XXXX XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-25 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: AZ

Complaint narrative:
Kindly take a moment to look over the attached documents at your convenience.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I submitted lots of requests of the signature page of this debt because I do not recognize this debt. 
I did have a debt with XXXX XXXX before however, I paid that debt off! 
That is the reason I have requested this so many times. This debt is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

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 2024-01-25 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
My accounts are being improperly reported by 3rd party credit reporting agencies. I do not give consent for the debtors to report any payment history or account statu 's to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a notification that Bank of America was sending me a new credit card as my current card was expiring in XX/XX/2023. 
On XX/XX/XXXX, I received a notification via email that my card was updated in XXXX XXXX at XXXX XXXX  On XX/XX/XXXX, I received a message from Bank of America asking me to confirm a charge from XXXX for over {$6000.00}, which I responded saying no that was not me making that charge. I then logged into my account and saw an additional charge had been made for {$9500.00} cash from a XXXX XXXX, which was also not me. I called the Bank of America fraud line immediately and alerted them to this and they cancelled the card and sent a new card with a new number. I completed this around XXXX XXXX. 
On XX/XX/XXXX, I saw a fee for the fraudulent transaction had been issued to my account for {$470.00} dollars. I called Bank of America to alert them to this and they agreed to credit the account. They were unable to provide an updated status for the initial fraud claim at this time. 
On XX/XX/XXXX, I received a notification saying my account was credited with the {$9500.00} while the claim was being researched. 
On XX/XX/XXXX, I received a notification that they were unable to pay, saying " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' However, the current card was with me and I was home the entire time for both charges. There is clear evidence of fraud seeing as there was an additional charge attempted directly following this charge. I never received the new card that was sent on XX/XX/XXXX. And I made no updates in XXXX XXXX  to prompt those notifications I received, so I assume that occurred either because they activated the new stolen card or they set up XXXX XXXX  with my account info. 
I have asked this claim be re-opened with Bank of America, but in the meantime they are not crediting the {$9500.00} charge to my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Dispute Letter - Request for Removal of Incorrect Addresses I am writing to dispute and request the removal of incorrect addresses from my credit report. After reviewing my credit report, I have identified several addresses that are inaccurate and do not belong to me. The correct address that should be associated with my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX State : MI ZIP Code : XXXX I kindly request that you investigate and remove all addresses that are not the one listed above. 

I understand the importance of accurate information on my credit report, and I believe that the presence of these incorrect addresses is adversely affecting my creditworthiness. I have attached copies of supporting documents, such as utility bills or official letters, to verify my correct address. 

Please conduct a thorough review and promptly update my credit report to reflect only the accurate address mentioned above. I also request written confirmation of the removal of these incorrect addresses once the investigation is complete. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this dispute and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: AZ

Complaint narrative:
Kindly take a moment to look over the attached documents at your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estopp silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 121.5K presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i have been disputing this debt for a year now and sent a letter in to all bureaus in XX/XX/year> requesting that i be sent the original agreement with my signature on it, all they did was update it as accurate but never sent me the proof and in the letter i stated if they can not provide me the proof to delete the collection but it is still there and they are still denying my disputes because company is saying its accurate but never provided proof MIDLAND CREDIT MANAGEMENT XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024, I deposited {$40000.00} check into Chase business account titled XXXX XXXX XXXXXXXX XXXX XXXX which is I own this business account. On XX/XX/2024, Chase bank closed my business account because they suspects the potential fraud and cant verify the person who wrote this check. Chase bank insists to verify this person with cellphone, I gave this persons phone number to Chase, they told me this phone number isnt under this person name. I bring this person to Chase bank with her two ID, one is XXXX XXXX XXXX driver license ID, another one is XXXX passport and try to verify this person with Chase who wrote the check to me. Also I provided my XXXX bill to Chase shows that this person current phone number is under my family plan. However Chase ignored all my legal documents, they told me they wouldnt release {$40000.00} to person until they verity person with cellphone number. XXXX would not be able add another person name on my account. And XXXX told me all cellphone numbers are recycle. During the last XXXX days communication, Chase told me beginning they didnt receive any check, the check was missing, they asked me to filed complaint report at XXXX XXXX , and then they told me theyre holding the check wouldnt give me back until they verified this person with cell phone number. I really need the justice and help from CFPB!

Company response to consumer: Closed with explanation