vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am putting a Formal Complaint Against Equifax for Non-Compliance with Request to Remove Incorrect Information from Credit Report I am writing to bring to your attention a serious issue I have encountered with Equifax, XXXX of the major credit reporting agencies. Despite my efforts to rectify inaccuracies in my consumer credit report, I have faced persistent challenges with Equifax 's unwillingness to comply with my requests. 
On XX/XX/2024, I called Equifax regarding XXXX major issues. The first issue was that I could not monitor my credit reports through XXXX XXXX. So I called them and they were not able to identify me. So Equifax blocked the ability to view my consumer file. Upon further investigation I found a SSN not belonging to me XXXX XXXX. I also saw that there were a few addresses in which I can not receive mail or that I never lived. I asked Equifax to remove this information. On XX/XX/2024 I sent Equifax a letter of investigation to remove and restore my information. However, to my dismay, Equifax has not taken the necessary steps to remove this outdated information, adversely affecting my creditworthiness. 
This is an alarming error that raises serious concerns about the accuracy and security of the information maintained by Equifax. I believe it is imperative to address this issue promptly to prevent any potential identity theft or further damage to my credit profile. According to the FCRA my information must be 100 % accurate 100 % verifiable 100 % timely.This is a major violation committed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XX/XX/24 XXXX XXXX from Shellpoint said that Im not authorized to speak with Shellpoint about the mortgage. However. The firm claims that I am on mortgage and sent paperwork in the mail stating that I was authorized to speak about this mortgage. Its impacted my credit score negatively and I am not on the note. Shellpoint is attempting to foreclose on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have never opened an account with XXXX XXXX XXXX of XXXX, nor have I authorized any such transaction or account in my name. Therefore, I believe this account is fraudulent and may be the result of identity theft. 

I request a thorough investigation into this matter. Please review the account in question, verify its legitimacy, and remove it from my credit report if it can not be verified as a legitimate debt incurred by me. I also request that you provide me with the documentation that the creditor has on file for this account, as I have the right to see this information under the Fair Credit Reporting Act. 

For your reference, I have enclosed copies of my identification ( including my driver 's license and social security card ) to verify my identity. I am also willing to provide a police report or any additional documentation if required to support my claim of fraud. 

Please understand that this fraudulent account is affecting my credit score negatively and may impact my ability to obtain credit in the future. Therefore, I kindly request prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to resolve disputes within 30 days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response confirming the removal of this fraudulent account from my credit report. Please send all correspondence to the address listed above.

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 2024-02-26 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: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXXXXXX 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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Summary : my physical address was changed by Bank of America without my permission and I requested an investigation to determine how this happened and prevent it from happening again. XX/XX/23 I received a notification from XXXXXXXX XXXX that my account holder information had changed for my Bank of America account. I called XXXX and they were not able to share additional details. I called Bank of America on XX/XX/23 and they said there was no change. I called Bank of America again on XX/XX/23 and they confirmed that my physical address was changed to an address that a family member owns and they said they submitted an investigation request. Nobody else has access to my bank account or login information, and I have 2-factor authentication set up so I would have received a notification if someone else attempted to log in. XX/XX/23 I followed up and the XXXX XXXX department submitted a service request to further investigate. XX/XX/23 I followed up and there was no update. XX/XX/23 I followed up and there was no update so they escalated and filed a complaint. XX/XX/23 I followed up again and they said someone should call me back within a week but nobody XXXX I followed up again and there was no update. XX/XX/23 I followed up again and there was no update. XXXX I followed up again and there was no update so I closed my account. It is unbelievable that there were no updates within this almost two-month timeframe for an issue of security where my physical information was changed, not by me, and there was nobody else who had access to 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 explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Chase Bank regarding their unauthorized sharing of my private information with third-party companies. Despite my explicit request to opt out of such information sharing, Chase Bank has continued to disclose my personal data, which constitutes a violation of my privacy rights and a breach of trust. 
On XX/XX/2024, I submitted a letter to Chase Bank clearly stating my desire to opt out of any sharing of my personal information with third-party entities both affiliates and non-affiliates. I have attached a copy of this opt-out letter for your reference. Despite providing this notification, I have recently become aware that Chase Bank has continued to share my information with third parties without my consent. 
This unauthorized sharing of my private information not only undermines my privacy rights and is a direct violation of their own terms and conditions, but also exposes me to potential risks such as identity theft, unwanted solicitations and caused me to be denied a new bank account at another bank. As a consumer, I expect companies to respect my privacy preferences, follow their own terms and conditions, and adhere to applicable laws and regulations governing the protection of personal data. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against Chase Bank for its failure to comply with consumer privacy regulations and their own terms and conditions. I request that Chase Bank be held accountable for its actions and take immediate steps to rectify the situation, including ceasing all unauthorized sharing of my personal information, correcting and removing my personal data from third party affiliates and non-affiliates, implementing robust safeguards to prevent future violations, and compensate me for each transaction reported that intentionally violated the privacy laws, my opt out request and/or their own policies, terms, and conditions which prevented me from opening a new account. It is so humiliating to be denied a bank account due to Chase Bank sharing inaccurate and derogatory private information about me. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt and decisive action to address this issue and protect the rights of consumers as well as provide monetary relief for blatant disregard of the law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-02-26 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: IN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing in response to your recent email concerning a hard inquiry complaint I submitted through the Consumer Financial Protection Bureau ( CFPB ). Thank you for your communication regarding this matter. 

Upon review, I discovered a hard inquiry on my consumer report dated XX/XX/XXXX, which I was previously unaware of. As such, I formally request that Barclays Bank takes the necessary steps to remove this inquiry from my XXXX consumer report, in accordance with relevant consumer protection laws, including those established by the Federal Trade Commission ( FTC ) and other applicable statutes. 

Furthermore, I am exercising my right to revoke consent for future contact via email, phone calls, and text messages. I trust that Barclays Bank will adhere to consumer protection laws and refrain from contacting me through these channels going forward. 

Please acknowledge receipt of this letter and confirm when the requested actions have been completed. 

Thank you for your attention to this matter. 

Sincerely,

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 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Keypoint Mortgage, LLC
State: PA

Complaint narrative:
I am the Realtor working with a Buyer who was securing financing with the Keypoint Mortgage. During the transaction, on or around XX/XX/XXXX - The buyer was initially supposed to have 1 months mortgage payment escrow, which changed significantly to 3 months mortgage payments in escrow. Though the buyer had funds in their account, buyer 's assets couldn't be sourced/verified. The loan officer advised that the additional closing costs can be paid outside of settlement directly to the Seller. I advised that this was illegal, to which the loan officer said it was not. 

On or Around XX/XX/XXXX, the same loan officer called me directly to tell me he had a buyer referral. The buyer was to pay in cash and the loan officer asked me how he could benefit from the transaction. He asked how he could make money " on the side ''. I advised that it was illegal to pay a referral fee to anyone outside of a Real Estate brokerage, to which he replied that it wasn't and people do it all the time. I insisted I wasn't the right agent for him. 

The loan officer continued to update the Listing agent ( with incorrect info ) instead of the Buyer ( the client ) or the Buyers agent ( me ), causing confusion and hindering my ability to negotiate effectively for the Buyer. 

The loan officer displayed misogynistic behavior and speech when talking to the Listing Agent about women in the workplace/field. As well a speaking derogatorily about his younger coworkers while was on a call with him. 

The loan officer was harsh and disrespectful towards our support staff and made her feel very uncomfortable. 

The entire transaction was chaotic, unprofessional and would have been illegal had I not spoken up. 

Buyer asked to lock their rate, to which the Loan Officer advised him against it. ( I was on that call and heard the agent refuse to lock it ) Later in the transaction, he locked a rate that was only good for 15 days, and much higher than the earlier rate, forcing the buyer to pay points and causing unnecessary stress to close quickly. 

The Buyer ultimately lost the home due to poor communication on the Lenders part and lack of trust the Sellers developed towards the Lender. ( The Sellers would not extend the closing date )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Ive contacted Lexus Nexus XXXX XXXX XXXX and they have all told me the same thing! That the courts of bankruptcy in middle of Florida still showing that Ive went through with bankruptcy, but Ive called the courts and spoke to someone and they even told me that my bankruptcy case was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: CO

Complaint narrative:
My credit card is showing a " no status '' on my Experian credit report. I have provided a current statement showing this is an active account and has been paid as agreed. My credit report shows a decrease credit limit of {$3000.00}, which is my credit card limit. I have provided documents to Experian multiple times and have tried to resolve this with XXXX XXXX XXXX XXXX. I can not get resoultion, I have been trying since XX/XX/2023. Any assistance would be appreciated. 

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : 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 2024-02-26 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: PR

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 2024-02-26 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: PR

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

XXXX DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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