vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: MECHANICS BANK
State: CA

Complaint narrative:
The payments have increased from roughly {$3400.00} to {$6300.00} Mechanics Bank has filed a default against my property a month ago. 

I inherited the property in XXXX. 
There is over {>= $1,000,000} In equity and I only owe {$2500

00.00}. I need to refinance and due to the unique property. I tried this past two wee
ks to get it refinanced. I was denied... the lenders are confused because i have a XXXX XXXX  here. Which is my XXXX... plus I live here. They can't figure out if it's commercial or residential. 
There are two homes on the property and because the XXXX XXXX is a little bigger than the main house they said they could not help me get a new loan. 

I'm a single mom with XXXX kids ... with no help.ive lived here since XXXX. 
I grossed {$93000.00} in XXXX and XXXX. 

I can easily afford to pay a mortgage on a new loan... but no one will help me. 

What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
NCB Management Services sends an endless stream of emails, and the unsubscribe link in each email is purposefully broken, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: Lendmark Financial Services
State: GA

Complaint narrative:
I would like to file another \complaint against Landmark for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to XXXX XXXX XXXX. I am hereby requesting all disclosures required by federal law. 
In addition, Landmark failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As part fair credit reporting, they did not adhere to the following practices : XXXX. XXXX XXXX XXXX : We ensure that the credit information we report is accurate, complete, and up-to-date. This includes personal information, account status, payment history, and any relevant public records. 
XXXX. Adherence to XXXX XXXX Guidelines : We follow the detailed specifications of the XXXX XXXX Format to ensure that our data is formatted consistently and accurately. 
XXXX. Regular Updates : We update credit information monthly to reflect the most status of your accounts. 
XXXX. XXXX XXXX : We have established processes to address disputes or errors reported by consumers efficiently and promptly. We investigate claims thoroughly and make necessary corrections in a timely manner. 
XXXX. Compliance with Regulations : We adhere to all relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), governing the reporting and handling of consumer credit information. 
XXXX. Ongoing Training and Monitoring : Our staff undergoes regular training to stay updated on XXXX XXXX compliance requirements, and we continually monitor our processes to ensure ongoing compliance. Considering these discrepancies and the forgery of my signature, I assert that XXXX XXXX XXXX XXXX XXXX is in violation of the following federal laws :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had three disputes recently. One was for XXXX XXXX. XXXX was for XXXX. One was for XXXX XXXX both XXXX XXXX and XXXX never got them. In fact I contacted one of the delivery services XXXX because the picture they posted was not my location and I told them and I was told to take it up with my bank no help. I have contacted everyone from the seller to delivery to my bank and Ive had absolutely zero help with XXXX eats it was just an order that I never got as well. Same thing. I had contacted XXXX and XXXX XXXX as well through their apps and each time I did either one I got disconnected or two I was told to take it up with my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: SC

Complaint narrative:
I funded a Chime credit card with {$300.00} and then immediately closed the account, in XXXX of XXXX  They said my {$300.00} would be mailed to me in XXXX days and I never got my money. Ive called them every month since asking where my money is and they always say, it will be sent. My ticket number when I call them for this issue is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
My account was with XXXX. I was paying a small portion during the Pandemic for Covid in 2020. I had an agreement with XXXX  to start paying more after the Quarantine. I was not working at the time. Next thing I knew I'm getting a bill from some law firm for over XXXX XXXX. I d

on't know who these people are so I'm not paying. Then I learned that XXXX bought XXXX. 
So here I am not wondering about my agreement with XXXX. I can not contact XXXX cause they don't exist any longer. Called XXXX and they have no idea who I am or what I'm talking about. 
I am not paying any money to anyone. This company that is on my XXXX credit report, I have no idea who they are and why they have a debt on my report. 
I need to have this removed from my report. This company is not registered in NJ. I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to report a serious issue with my credit report that has not been resolved by Experian despite multiple attempts to rectify the situation. I have sent several letters to both credit reporting agencies regarding inquiries and accounts on my credit report that are fraudulent and have been opened without my consent. 

Among the inquiries that are listed on my credit report, there are XXXX accounts related to XXXX that I did not apply for. These accounts are clear cases of fraud and identity theft, as I have never had any dealings with XXXX nor have I ever applied for any services with them. Additionally, there is another account related to a bank that I did not apply for. 

I have provided detailed information in my letters to Experian and XXXX, including the name of the person responsible for these fraudulent accounts, who is my cousin named XXXX. Despite providing this information and requesting that these accounts be removed from my credit report, they have not taken any action to address the issue. 

I am deeply concerned about the impact that these fraudulent accounts are having on my XXXX XXXX and XXXX XXXX. I request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure that these fraudulent accounts are removed from my credit report promptly. 

I have attached copies of the letters that I have sent to Experian and XXXX for your reference. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance in addressing this serious issue.

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 2024-06-21 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:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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 2024-06-21 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: ME

Complaint narrative:
According to XXXX v XXXX  XXXX. Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws 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 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 explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter for debt collection dated XX/XX/XXXX from XXXX XXXX XXXX XXXX for an account in my name with my address for a balance of {$110.00} as of XX/XX/XXXX. 
I received this letter by mail on XX/XX/XXXX. 
Reference # on the letter : XXXX Creditor : PayPal, Inc Account Number : XXXX However, I do not have a PayPal account. I have never had a PayPal account. 

XX/XX/XXXX I called PayPal customer support ( XXXX ) to report fraud and identity theft and requested that this account be closed. XXXX, the PayPal service provider asked to verify my e-mail address and last XXXX of my SSN. I declined to provide these as I did not want to give away further personal information. She told me she escalated this to her supervisor and that they would call me back today. I verified the number the supervisor would be calling back from and provided my cell # for call back. I did not receive a call back. 
I asked to know when the account had been opened and if it was opened with banking details. She declined to give me this information. She stated she would close the account. 

I have sent the letter back to XXXX XXXX XXXX XXXX disputing the debt and asking for : Verification of Debt : I request that XXXX XXXX XXXX XXXX provide verification of this debt, including details of the original creditor, the account number, and any supporting documentation that validates the debt 's existence and my obligation to pay it. and Cease Communication : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that all collection activities related to this alleged debt cease immediately until its validity is verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I received a prepaid American Express card as a bonus for work. The card declined more than it was accepted. I contacted American Express and they cancelled the card to issue a refund. I was told that I would have a check in XXXX weeks. XXXX weeks later, I did not have a check. I called back and they needed additional information, which I provided immediately. I was told that my case had been escalated, I just called again.still no answers. They owe me over {$700.00} and not one person can tell me anything other than the case has been escalated and to be patient and wait a few days. American Express has not provided any information, told me that I would receive a refund, but do not know when. It is probably getting close to 2 months of dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I open my first checking account with wells Fargo in XXXX maybe XXXX. I deposited a check for XXXX and my account was frozen for 21 days with no valid explanation they said it's because I deposited the check using drive through and it was frozen. My bill fell pass due my friend who recommended me opening the account lended me the money so I can limit late fees. In XXXX of the same year I went in for a simple transaction at the office on XXXX. The representative lured me into opening 2 new accounts. Couple weeks later I went to withdraw money but I was checking at least {$250.00} worth of overdraft fees. I was so upset I closed all my checking accounts and kept the credit card which I have to this day. 
In addition my account was hacked and Wells Fargo offer protection. The protection expired recently in 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 explanation
Consumer complaint received 2024-06-21 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the 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