vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year>, I had {$40000.00} in my Chase bank account. In same day, My phone number was hacked on by the hacker people and I informed the bank same day. I asked the bank officer, " Should I need to freeze my account? '' The Bank officer told me to change my phone number and email number and debit card number and you will be fine instead of freezing my account and I changed all of them according to the Bank officer 's suggestions. Unfortunately on XXXX XXXX, XXXX  the chase bank sent a passcode to my previous phone ( hacked one ) number and the hacker used that passcode to wire transfer {$25000.00} from my account. It is mentionable that I spoke to bank officer so many times but nothing happened.

In this circumstances, it is my own understanding that the chase bank failed to safeguard my money. So the chase bank has to compensate me {$25000.00} as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove theses accounts, bad data is hurting my ability 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 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, 2024. Wells Fargo Paid From My Checking Account {$1000.00} That I Did Not Authorize Nor Was It Disclosed To Me By Any Parties. 

It's Upsetting Because Once I Received The Alert That I Had XXXX Balance I Contacted The Bank. Only To Be Told To Call A Number And To File. A Complaint With Another Number. 

However No One Assisted In Stopping Payment Until Issue Was Resolved Instead Paid Out Of My Account To Settle Their Agree or Contract!! 

Wells Fargo Had No Right To Issue Any Payment Or Even Acknowledge My Account Because That Just Violates My Privacy As Their Consumer. 

After Trying To Resolve The Issue, Wells Fargo Offered No Kind Of Assistance or Any Resource To Return My Funds!

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 2024-08-21 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/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 2024-08-21 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/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 2024-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX CARD, account number ending in XXXX. 
On XXXX/XXXX/2024, I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, 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 2024-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXX CARD, account number ending in XXXX. 
On XXXX/XXXX/2024, I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : XXXX. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor. 
XXXX. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time. 
XXXX. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information. 
Please consider this letter a formal complaint. I expect a response within XXXX  days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue. 
Sincerely, 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 2024-08-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I would like to dispute the following accounts on my credit eport. 

Equifax : XXXX  XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX,2024 XXXX XXXX XXXX : XXXX XXXX,2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
I submitted a letter to the company reporting a collection on my accounts with XXXX and XXXX. I sent the letter to the company certified the notice was signed but I received no response from the company. I then submitted the results to XXXX and XXXX and they didn't rectify the dispute at all. I submitted the evidence stating the account isn't mine meaning a fraudulent account and nothing. The company reporting on my credit report is sunrise.

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 2024-08-21 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency.

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 2024-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Card account was marked as charge-off with a balance of {$100.00}, and a XXXX XXXX XXXX XXXX XXXX account was marked as charge-off with a balance of {$820.00}. Additionally, a collection account from XXXX XXXX XXXX for {$3700.00}, originally from XXXX XXXX XXXX XXXX was reported. These accounts were not opened by me, and I did not authorize any transactions related to them.

Upon noticing these discrepancies, I secured my personal information and filed an identity theft report with the FTC. I am requesting the removal of these fraudulent accounts from my credit report. The legitimate accounts that were closed in good standing include those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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:
Card account was marked as charge-off with a balance of {$100.00}, and a XXXX XXXX XXXX XXXX  XXXX account was marked as charge-off with a balance of {$820.00}. Additionally, a collection account from XXXX XXXX XXXX for {$3700.00}, originally from XXXX XXXX XXXX XXXXXXXX, was reported. These accounts were not opened by me, and I did not authorize any transactions related to them. 
Upon noticing these discrepancies, I secured my personal information and filed an identity theft report with the FTC. I am requesting the removal of these fraudulent accounts from my credit report. The legitimate accounts that were closed in good standing include those with 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 2024-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: VA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX XXXX # XXXX - BALANCE {$0.00} Account Name : XXXX # XXXX - BALANCE {$6900.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
This financial institution is constantly requesting proof of insurance of my property and are continually adding their own lender placed hazard insurance even after I promptly submit the request for proof of insurance. My reputable insurance company has also sent them proof of insurance on several occasions on my behalf. Ive paid thousands of dollars in lender placed insurance, which I want back, as I have had insurance on the property the entire length of this loan. What is interesting is they have paid my own insurance premium via my escrow account as well as their lender placed premiums. Obviously I have insurance on the property. Another issue I have had is that they did not pay my insurance premium on time, so I had to make private payments to my insurance company for coverage. For example, my premium was due in XXXX and it was not paid until XXXX. My insurance company made several attempts to collect payment without much avail from this Company. This company also does not provide customer service during convenient business hours in my time zone. You can not leave a message or talk to someone outside of the insurance department about these issues. I have also tried contacting them via email without resolution. Their chat option on their website also does not work. I have had customer service ( whom could not assist me ) leave notes to my account. I asked customer service how I could file a complaint about my issues and they said there isnt a way to file a complaint within the company.

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 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello I was victim to cash app fraud that took place in my account without my authorization. I lost more than XXXX XXXX The app took my money and sent it to someone in the XXXX and wont refund my money.

Company response to consumer: Closed with explanation