vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My Chase checking account was closed due to their statement of fraud. I deposited a check that was not under my name ; it was a scholarship I had received, and I was under the impression that it belonged to me, not the XXXX XXXX XXXX XXXX XXXX. I approached the bank and asked what exactly was happening. The guy told me, with an attitude, that there was nothing he could do. I visited a branch office, and the person who helped me tried speaking with someone from the verification branch of Chase and told him that I couldn't apply for a checking account due to my history of " fraud, '' even though I had just turned XXXX and it was an honest mistake. The guy at the branch submitted a complaint on my behalf ; it has been over a year, and they never answered back. I tried to apply with other banks but had no luck either. I currently have no bank account under my name. As a student, this is very critical. I just want this to be resolved. It has been over a year now, and I don't want this mistake to affect my adulthood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: IN

Complaint narrative:
I logged into check on my escrow on XX/XX/XXXX, as State Farm informed me that my homeowners insurance premium was raised and I wanted to ensure that CMG ( my mortgage servicer ) had the updated amount. Upon investigating I saw that my escrow was short. I looked back and saw that CMG made 3 different payments to my county for taxes. My property tax burden for XXXX payable XXXX was {$4000.00}. On XX/XX/XXXX CMG shows that {$2000.00} was paid to XXXX XXXX XXXX. Then on XXXX XXXX CMG sent {$1900.00} and another payment on XXXX XXXX for {$2000.00}. I reached out to XXXX and their chat feature and was told the second payment was due to delinquent taxes from XXXX. This was incorrect, as I have my records that show no delinquencies. Upon calling XXXX XXXX 's treasurer it was revealed that CMG was not paying my taxes in installments. So they took the {$2000.00} on XX/XX/XXXX and did not send it to XXXX XXXX. I know this because when I called the clerk informed me that CMG sent a payment on XX/XX/XXXX for {$4200.00}, due to them not paying the first installment in XXXX of XXXX it incurred a {$200.00} delinquent penalty. This is odd because they took the first installment from my escrow in XXXX of XXXX but held onto it behind the scenes and then sent a lump sum in XXXX of XXXX. As a result of them doing the behind the scenes holding of money, XXXX XXXX reached out and informed them they were delinquent on my taxes and as a result of that letter CMG paid twice in XXXX of XXXX. As a result there is ~ {$2000.00} missing from my escrow. I called CMG on 3XX/XX/XXXX and brought the issue to their attention and they said they will investigate but overall they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding aka Resurgent aka XXXX XXXX XXXX XXXX XXXX. has been asked countless times that, XXXX XXXX XXXX, signed a contract to payback debts and have recieved no such documents. Now they have sent a law firm, as a scare tactic, to get the debt paid. This is harrassment, first and foremost, worse yet, it's on a disable person. Secondly, they don't have the right last name, my last name is XXXX, not XXXX and I can show the proof, unlike them. I have disputed these debts a number of times with XXXX and lost. Now I have gotten two hassment letters from XXXX XXXX XXXX XXXX XXXX. dated XX/XX/XXXX. I had gotten letters last month from another law firm to scare me, I am tired of the harrassment. It's time for you guys to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Credit cards are being open in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America check and saving account was closed in XX/XX/XXXX because others tried to steal my account. After that, I defended my rights for 4 months and provided my bank account as required by Bank of America. handwriting signature comparison information, until I received a call from Bank of America on XX/XX/XXXX. They considered my request again and assisted me online to reset the user information over the phone. I am very happy to be able to use BOA again, I tried to deposit money into my account, but it failed, I went to the nearby financial center, they asked me to wait until XX/XX/XXXX, but when I logged in again, the system showed my checking And the saving account has been closed and I am not allowed to open another account, they did not give me the reason. I called and could not get any help, they just said that they could not verify my information and asked me to go to the nearest financial center, which I did in the nearest I went to the financial center with my documents countless times for several days, but in the end I still found out that it was a waste of time. They were playing tricks on me, constantly wasting my time, and constantly transferring calls to different departments. No one really helped me. The department that helped me recover my account was deemed by the risk department to have made the wrong decision. They did something wrong, why should I bear the consequences, wasted four months of my life constantly toying with me.

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 2024-03-11 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: NC

Complaint narrative:
On XX/XX/2024, I looked at my credit report and it says {$38000.00} as of XX/XX/2024 but in XX/XX/2024, it says {$38000.00} with {$2500.00} being past due as of XX/XX/2024 for Experian. I didn't give anyone consent to anything or to change anything and I haven't received anything in writing for permission or a phone call. On XXXX report, there is also an amount of {$38000.00} with a past due of {$2.00}, XXXX updated on XX/XX/2024. Have you ever heard of something called 15 U.S. Code 1681a? I heard that if you can't provide proof, these accounts must be deleted. I want these accounts deleted if they are not 100 % accurate and correct. Have you heard of 1681b? I also heard that if I never give credit bureaus written consent to report anything, then they should be held accountable... XXXX  has reported during this process without consent and it was allowed by your company/credit reporting agency . I would like anything that can't/could n't be verified, to be removed.

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 2024-03-11 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 XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have rights 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 non-monetary relief
Consumer complaint received 2024-03-11 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: NY

Complaint narrative:
Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress that I regard this matter with utmost seriousness. Should you fail to address my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I hereby request a thorough reexamination of the following information and ask for evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Should you be unable to provide such evidence, I demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
The charge is fraudulent they keep denying my dispute without verifying with the merchant if the charge is fraudulent XXXX has no record of the transaction and cash app is denying the charge which brought my account negative

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-03-11 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: PA

Complaint narrative:
It's my understanding that FCRA 605B dictates the removal of any incorrect accounts from my credit report. Could you please assess the documents? I find some of the listed accounts to be inaccurate, and it's causing me unease.

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 2024-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchased a Vanilla gift Visa card from XXXX ( grocery store ) for {$300.00}. When I went to use it, the card was declined. I created a XXXX account and discovered the balance on the card had already been spent. I immediately disputed the charge. Vanilla told me the dispute would be resolved withing XXXX days. That was 100 days ago. I have called and emailed, but gotten no response. The website says to call the number on the back of the card to see the result of my dispute, but other than confirming that I did dispute the charge, the agents have told me the investigation is still on going, and the are unable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've tried to access my credit report from Equifax on XX/XX/year> and XX/XX/year> on annualcreditreport.com and I've also contacted Equifax at XXXX. They refused to let me access my free weekly credit reports online.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Company is trying to collect on a debt that is not owed. Information they have on file is not correct! 

Address on file is not mine! I do not live in that area! 

Debt is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
requested credit report through annualcreditreport.com as well as through telephone and have not received report nor any response explaining why

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 2024-03-11 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: FL

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proof of my identity and my Proof of Address.

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