vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just recently disputed multiple credit inquiries that simply aren't mine and I never applied to these places. I also submitted a complaint here regarding those specific inquiries. Equifax just responded to me that they closed the dispute and that these inquiries will stay on my report until XXXX 

THEY ARE REFUSING TO PROVIDE ME WITH PROOF DOCUMENTATION AS PER THE LAW OF WHY THEY ARE REPORTING THIS. I have requested from them multiple times to either verify these inquiries are mine and send me those verifications showing any application with my signature. 

They are refusing to provide me with these documents and are simply declining the dispute without providing me the requested information. 

They are seriously violating the law and I would like for this matter to be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: VA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I received the letter from them telling me that my whole identity has been compromised from fraud that they had a Cyber attack my social security number my name my address is phone number I got this letter and nothing was ever done that was a whole lawsuit with the three credit bureau companies that run credit checks and backgrounds under your name Equifax XXXX in the other one I can't remember the names quite often but all three of these companies sent me a letter saying fraud a Cyber attack I even got one from XXXX XXXX I also got one from XXXX did the apartment of social services and I believe I got one from one more company but I have to look for these letters now is lawsuits and I'm going to do another credit check to make sure nothing else is in my name I've seen of loan I never applied for and I seen some other things this needs to be taken care of and fixed and I need damages they owe me money it's not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.

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 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
Did not enroll in auto-pay however auto payment was taken XX/XX/XXXX for {$94.00} after manual payment made in XXXX. 

Started receiving notices of late payment for this payment and called to inquire on XX/XX/XXXX at XXXX EST and was on the call for 1 hour and 26 minutes. I was advised there was no record of the auto payment and to send proof of payment. Requested to speak with a supervisor and was advised I would need to receive a call back within 48 hours. No call was ever received. 

On XX/XX/XXXX, when I received notice of the next payment due of {$580.00}, I canceled the auto-payment and removed my bank account. I sent an email as instructed indicating that my bank statement showing proof of payment on XX/XX/XXXX had been uploaded via the Edfinancial secure site, and requested a call from a supervisor. Again, no call was ever received. 

On XX/XX/XXXX, I received an email from Edfinancial in response to my email inquiry as resolution to my pending request indicating their records show I called and was able to resolve my issue. I hadnt called ( this time ) and my issue was not resolved. I called to inquire about this email on XX/XX/XXXX at XXXXXXXX XXXX  and was advised the support was received, is being researched and would take about 30 days but I would receive a response either way. 

I called again on XX/XX/XXXX at XXXX EST and was advised the issue is not resolved and there is no estimated timeframe for research requests. When advised I was told 30 days I was advised that is not true. I again asked for a supervisor and was told it would need to be submitted and I would receive a call in 48 hours. I sent an email correspondence via the Edfinancial website requesting an immediate call from a supervisor. 

Tonight, at XXXXXXXX XXXX EST, I received a call which came through my cell as spam. It was not the Edfinancial number so I did not answer. This was apparently the supervisorI requested although the voicemail did not identify the individual as such. I returned the call at XXXX EST and spoke to a customer service representative who reviewed the account and indicated she was advised to request I submit proof of payment for research. I explained I had already done that in XXXX, had spoken to multiple people ( no supervisors ) since then and was waiting on resolution. I, again, asked for the supervisor and was told she would need to submit a request for call back in 48 hours. I advised I was returning a voicemail from literally 20 minutes earlier but she refused.

This student loan servicer is completely incompetent, mishandles payments, has zero customer service, rude reps and no escalation process. This is completely unacceptable. I would like my payment applied and am concerned about making any additional payments which may be mishandled and cause me to perpetuate this insanity!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
The organization of the loan was XXXX XXXX When I applied for a modification they said it had been modified 3 times. A request for all 3 modifications. I also requested for a payment history starting from XXXX XXXX. 

I also was promised they will look at this matter and resolve it and havent had any results yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I am writing to inform you that I have never had an account, agreement or contract with your company, Sunrise Credit Service. It has come to my attention that inaccurate information related to an alleged and previously disputed and corrected debt has been reported to credit agencies, negatively impacting my credit report. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing this information. As per 15 U.S. Code 1692a ( 3 ), I am the consumer, and you, Sunrise Credit Service, are the debt collector under 15 U.S. Code 1692a ( 5 ). Citing 15 U.S. Code 1692c ( c ), I am invoking my right to cease communication, and I demand that you terminate all further efforts to pursue this alleged debt, as outlined in 15 U.S. Code 1692c ( c ) ( 1 ) and 1692c ( c ) ( 2 ).

Additionally, I am acting as the executor under 15 U.S. Code 1692c ( d ), emphasizing that debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt, as per 15 U.S. Code 1692d.

Furthermore, your reported false credit information, as indicated in 15 U.S. Code 1692e ( 8 ), and the false representation or implication that accounts have been turned over to innocent purchasers for value, per 15 U.S. Code 1692e ( 12 ), are clear violations. I am also drawing attention to the violation of 15 U.S. Code 1692f regarding unfair practices, as well as your failure to cease collection efforts until verification of the debt, which is mandated by 15 U.S. Code 1692g ( b ).

Finally, I want to bring to your attention the civil liability outlined in 15 U.S. Code 1692k, which holds debt collectors liable for damages resulting from non-compliance with the provisions of the FDCPA. Considering the serious nature of these violations, I request an immediate investigation into this matter and the removal of all inaccurate information from my credit report. Failure to comply may result in legal action.

Sincerely, 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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I need help! 

Every single check I have deposited into ANY of accounts for the last 8+ months have had a 10 day hold placed on them. It doesnt matter which account, whether it be a savings account or a checking account, the bank will easily accept the checks ; however, once deposited, the next day I am notified that Chase Bank has placed a 10 day hold on my deposit. The way I was notified was by logging into my account and seeing that my account had a hold on it. I was not even given the courtesy of an email or a text message saying this had occurred. 

Every single time this occurred, I would call Chase and do everything I could to get the check released. I have been denied access to my own money more times than granted access to it. Every title time I would call I was told I was randomly selected for a 10 day hold. I could understand this if that was truly the case. The Customer Service Representatives say the same statement that its complexly random. On one occasion, the Customer Service Representative told me a check issued by the courts through my Attorney was a fake check. My Attorney had to get involved in this and still, nothing came of it. Every single check Ive deposited has had a hold on it. This is not a random system, I am being discriminated again.

I sell Real Estate and I also own rental properties. On many occasions I will have large sums of money coming and going from my bank accounts. Up until 8 months ago, I have never had an issue with any checks I've ever deposited! 

Now, because of the random out of control 10 day holds Chase Bank has placed on ALL of my accounts, MY BANKS actions, I have resulted in my credit being ruined, having credit cards shut off, having checks bounce and my staff 's payroll was denied. Every single instance this has happened, its all because of Chase Bank placing a 10 day hold on all of my deposits. 

I write to you today because I need help! As a single male I run a few businesses. Others depend on me for their livelihood. Chase Bank is deliberately causing much undue emotional and financial stresses and ruining not only my reputation, their actions are ruining my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 non-monetary relief
Consumer complaint received 2024-01-31 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I recently discovered that I have been compromised by credit and internet accounts were opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
Experian, & XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX  XXXX GA XXXX there should be no other addresses on my report. There are several addresses reporting that are non mailable and should be deleted. The Employer XXXX should also be deleted.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute with the credit bureaus, regarding in accurate information which included addresses that do not belong to me, and accounts that do not belong to me. I asked him to do an investigation into it and please provide me with the results. They failed to do so. They violating several laws, but not following federal policies and procedures of demand that the investigation should be done and information be removed from my account.

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 2024-01-31 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: LA

Complaint narrative:
This is my follow-up request about my complaints dated XX/XX/XXXX. I have an account XXXX XXXX XXXX in my file which is still being reported, even though it was bought by another company. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and I request that you reinvestigate or else delete this account in my credit file. The account is listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2024-01-31 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: Early Warning Services, LLC
State: OH

Complaint narrative:
I ordered my early warning services report and my entire banking transaction 's are listed in that report. According to early warning services the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and Early Warning Services are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I ordered my XXXX XXXX XXXX report and my entire banking transaction 's are listed in that report. According to XXXX XXXX XXXX the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.

Company response to consumer: Closed with explanation