vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
Experian has reinserted an account that was from identity theft. XXXX has failed to block accounts from identity theft. That is a violation 15 U.S.C. 1681-1681 and 605b The reinsertion of identity theft accounts on your credit report is a serious violation of the Fair Credit Reporting Act ( FCRA ). When an individual is a victim of identity theft and fraudulent accounts appear on their credit report, federal law provides specific protections and procedures under the FCRA to help victims rectify the situation and remove the fraudulent information from their credit report [ 1 ].

If a credit reporting agency reinserts identity theft accounts that have been previously removed as a result of a dispute by the victim, it would generally be considered a violation of the FCRA. Reinserting this inaccurate information without proper verification goes against the FCRA 's provisions designed to ensure the accuracy and integrity of credit reports. Please remove

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 2024-05-29 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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I bought a gift card in the amount of {$200.00}. I tried to use it in many stores, in person and on- line, was declined always. Was told by the company it is because it is not linked to a zip code. I requested a refund on XX/XX/XXXX, was told it could take up to 3 weeks. Still have not received it, every time I call to check on the refund I am given a different story by a different person. Still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> Paid $ XXXX $ XXXX {$44.00} An error occurred or glitch at electronic level And they extracted the full pay off of a XXXX Chase Credit Card Immediately disccused with Branch manager whom stated this happens all the time, in fact I can order a reversal now. 
Several months prior I filed a complaint dispute about a charge on card and asked for it to be looked into because it said I had chosen {$100.00} dollars to be paid over 12 months. It seemed strange. 

The branch manager XXXX XXXX XXXX said that she is having the {$44.00} removed and then the rest into my checking. 
On the XXXX  day XX/XX/year> the deposit was only {$210.00} and I needed to pay rent, the funds that were allocated to go to the XXXX checking can not be intercepted and used for something else. If it was in processes for reversal just like the card cant go in and take money from my checking account when it wants. Like any other credit card it would place the decided amount on top of the {$470.00}. And then send a notice of overage or add a fee something. It never gave me an option to cure it. It just took on a glitch/error or some computer issue. 
I have now closed the card because I dont have any faith and I am moving toward wanting to close the entire account however the manager says just keep it open and we will work on it. Ive had this personal account for the past three years and only had to change my number once because of XXXX XXXX Now I dont have any faith that anyone especially them can just take out of my account at anytime. If the glitch hadnt happened the amount would have been place onto my balance. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Hello, We closed on our property on XX/XX/XXXX. Our loan was transferred to Fay Servicing soon after. Somehow, we did not receive a tax bill for the year. Upon visiting our county website, we found that Fay had covered our property tax bill of {$7000.00}. We contacted Fay Servicing and were provided the option to pay the bill online. 

On XX/XX/XXXX, on the Fay website, we selected to make a payment to escrow to cover our property taxes bill which Fay paid. On the Fay servicing website, we selected the option to apply the payment of {$7000.00} to our escrow account in order to repay the tax bill. There was an option to apply the payment to principal - WE DID NOT SELECT THIS OPTION. My husband and I are tech-savvy and were careful not to make that selection. 

In early XXXX, We received notification from Fay that our mortgage payment was going to be increased due to now having been placed in escrow. Given we made a payment to avoid this, we contacted Fay. We were then informed that the payment we made to escrow was applied to the principal, not the escrow as we selected. In addition, they are now going to add an escrow account and increase our mortgage payment from {$5400.00} to {$7000.00}. We did not sign off on this. We asked Fay to reverse the principal payment as that was not our error or what it was intended for. The team informed us they were unable to reverse the principal application because the funds had already been disbursed to investors. Theres been an error in how Fay Servicing applied our payment. We have contacted Fay Servicing several times in the past few weeks to resolve this issue to no avail. We called and were asked to call back on XX/XX/XXXX, then when we call to follow-up, were asked to call back on XX/XX/XXXX, then we followed-up and were asked to call back on XX/XX/XXXX. Again on XX/XX/XXXX and was told they had put in a request and to call back on XX/XX/XXXX. It seems they have no intention of resolving this issue and instead are attempting to force us into escrow. 

We have informed Fay of a Notice of Error and have asked Fay to have the payment we made ( {$7000.00} ) applied to the initial tax payment as intended and have the escrow removed. We would appreciate your attention on this issue, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLOBAL SOLUTION BIZ LLC.
State: TX

Complaint narrative:
Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

GLOBAL SOLUTION BIZ LL account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
I requested TransUnion remove/delete all accounts in the document I have attached in this report due to improper use of my credit report as well as inaccurate & misleading information being listed within the accounts on my report. Instead of them honoring my request, they only updated the accounts and kept them on my 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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: FL

Complaint narrative:
I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a number of inquiries on my credit report I do not recognize, I would like to see my signature on these applications so I can take to police and file a police 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 2024-05-29 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have a number of inquiries on my credit report I do not recognize, I would like to see my signature on these applications so I can take to police and file a police 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 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have already filed a complaint against Wells Fargo. Their claim number is XXXX. I got a letter from Well Fargo dated XX/XX/XXXX denying my fraud claim. So they lied to me and you about taking 10 days to investigate the claim. Since I filed my intial claim with you on XX/XX/XXXX. I have been in contact with them after the XXXX and they just kept saying they had 10 business days to make their decision when they actually already had. The scammers were able to access my mobile app account and sign me up for XXXX and steal {$8200.00}. The scammers knew my number, what bank i used and my debit card info which the card was a new debit card and i hadn't even set up all my auto pay accounts yet. I was never enrolled in XXXX and told my bank to restrict all access to XXXX. The very next day the scammers were able to enroll me again in XXXX. I caught it, not Wells Fargo. I had to frantically call Wells Fargo to close the XXXX account before they could steal anymore money. I have a paper trail of all this since the emails came directly from Wells Fargo.

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 2024-05-29 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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report 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 2024-05-29 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: AR

Complaint narrative:
As I have asked before and will ask again, please provide me proof of my Full Name and address associated with my current drivers license and provide evidence this account belongs to XXXX XXXX XXXX XXXX - if you can not furnish this information along with a validation and verification, then please remove 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 explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased a XXXXXXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX within that purchase i had a XXXX XXXX transit XXXX that i was financing and still owed money towards. I was informed I could advertise the XXXX on the lot of XXXX XXXX truck for sale to be able to pay off, there is a signed contract for that on XX/XX/XXXX. I was informed on XX/XX/XXXX a pay off payment was made however, on XX/XX/XXXX i was informed that it was returned. XXXX XXXX informed me that he was going through IRS problems and his account was garnished. However, he reached out asked for another contract to be made so the XXXX could be paid off and resolved. On XX/XX/XXXX we then signed another contract stating he would pay the rest off by XX/XX/XXXX and that did not happen. I currently don't have the XXXX XXXX transit XXXX and i no longer can reach XXXX XXXX or anyone at XXXX XXXX XXXX sales. This is currently affecting my credit at it shows delinquent and i owe on something i do not have in my possession. He also stole my XXXX XXXX XXXX XXXX that i had housed on nationwide XXXX lot.

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 2024-05-29 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:
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 proofofmyidentity 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 explanation
Consumer complaint received 2024-05-29 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 explanation
Consumer complaint received 2024-05-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not do any business with these companies.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: FL

Complaint narrative:
I believe the account is invalid. SELF / LEAD needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. SELF / LEAD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: CA

Complaint narrative:
I recently reviewed a copy of my credit reports, and noticed fraudulent accounts on them, Please remove these accounts from my credit reports, they are stopping my ability for me to obtain credit

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 2024-05-29 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: OH

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review 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