vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX ( Items for dispute ) Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX we approved for a 3 month forbearance plan with our original mortgage servicer XXXX XXXX XXXX XXXX. That servicer sold/transferred our servicing to PHH Mortgage XXXX XX/XX/XXXX, before our 3 month period had lapsed. Immediately our credit score was tarnished, albeit a stipulation of the forbearance was that it would not affect our credit score. PHH ignored this and continues to report our account as delinquent during forbearance, with reckless regard for our credit. 

We extended our forbearance plan through PHH, but have not out any subsequent paperwork with PHH. From what I know to be fact regarding contract law, PHH can not ignore the agreement and obligations set forth by XXXX XXXX XXXX XXXX 

This is the second time our score has been tarnished because of PHH. With rates falling, we would like to refinance but am likely unable to do so. 

Below is a brief timeline of events : Friday XX/XX/XXXX PHH check in call Sat XX/XX/XXXX Incoming PHH Call ( scheduled at XXXX? ) Fri XX/XX/XXXX PHH Call Tue XX/XX/XXXX PHH Call Mon XX/XX/XXXX PPH Call Thu XX/XX/XXXX Incoming PPH Call ( appointment regarding submitted application ) Fri XX/XX/XXXX Submitted Mortgage Assistance Application to PHH Mon XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX Credit bureaus updated Wed XX/XX/XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX account reported delinquent to credit bureaus Mon XX/XX/XXXX PPH Call Thu XX/XX/XXXX PHH becomes new loan servicer Mon XX/XX/XXXX - Beginning of Unemployment Forbearance ( until XX/XX/XXXX ) Thu XX/XX/XXXX Loss Mitigation Application submitted to 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 2024-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully reviewing my credit report I have noticed that I have been a victim of Identity Theft. My identity was used to apply for credit cards. I found multiple credit inquiries on my credit report. Please dispute and remove these fraudulent credit inquiries from my credit report. XXXXXXXX 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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
In XXXX of this year my wife tried to purchase an office chair from a website. She authorized a payment of {$39.00}. The website turned out to be a scam. Not only did she not receive the office chair, but the scammers also charged our account nearly {$740.00} of unauthorized charges the following day. 

We disputed the charges with Ally Bank and were initially given provisional refunds while they conducted their investigation. On XX/XX/XXXX this year, without any warning or communication, they withdrew the refund claiming that the charges were not fraudulent. When I called Ally to appeal the decision I was not allowed to talk with the disputes department. I was told that the other option was to open new disputes with additional documentation. I did this on XX/XX/XXXX. But those disputes have been quickly closed without correspondence or explanation. 

I am just trying to get the fraudulent charges refunded. I have spend about a dozen hours on the phone with Ally 's customer service being bounced around from representative to representative with no results.

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 2024-10-09 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a paycheck from my part-time job. When I checked SoFi bank 's app, I saw that {$1300.00} was pending rather than the {$130.00} I was paid by my employer. As soon as I saw this, I called my bank about the error to try and have it canceled before the funds could be posted to my account. I am unsure whether it was an error in how I submitted the deposit, but the bank should have verified that the amount was correct and instructed me to resubmit the deposit. 

After some time, I forgot about the transaction. At the end of XX/XX/scrub> 2024, my manager approached me and let me know that the accountant had discovered the error. Remember, I tried to stop the transaction because I work for a small " mom and pop '' type of restaurant. My manager requested I contact my bank and figure out what happened. I talked to multiple people at SoFi since the last week of XXXX, all of whom acknowledged that the fault was on their end and that the check should have been rejected. 

In the first week of XX/XX/scrub> 2024, I logged onto my online banking and saw that the {$1200.00} was taken out of my account, without any notice that it was going to happen or any debit being posted to my account. This immediately drove me into overdraft by approximately {$800.00}. 

If there was any open communication, I would not be so stressed about this, but any communication I initiated. I also take issue with the fact that they did not post the debit to my account. I requested that the bank return the money to my account since it took more than XXXX months to even catch the error and because I did everything I reasonably could to avoid this. Had they rejected the check, I would have resubmitted. Or, if the error was made clear to me, I would have immediately paid my employer back. The complete lack of transparency and communication is why I am certain that I am not responsible for them taking more then {$1200.00} out of my account without notice, especially I called before it was likely to happen and nobody could tell me that it would. 

I tried to resolve this with SoFi bank on multiple occasions, but did not receive any helpful resolution, only a loss of {$1200.00} that I did not have my account. I believe that a multimillion dollar business should absorb the cost for their error rather than an individual who did their due diligence. This has been a deeply stressful experience, as I have never overdrafted before, let alone by {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, a charge of {$1100.00} appeared on my account that I did not authorize. After discovering this charge, I questioned my son, who informed me that he had signed up for a 30-day free trial with XXXX using my XXXX account XXXX Despite the trial being advertised as free, I was unexpectedly charged the full amount of {$1100.00}. 

I immediately reached out to XXXX and received a response from an automated system, stating that they would review my claim and follow up. However, no further communication has been received from XXXX as of this submission. 

Upon further investigation and realizing the unauthorized use of my XXXX account, I opened a dispute with XXXX, hoping to resolve the issue. Following advice from a friend, I decided to contact my bank, Chase, to request a formal dispute of the charge. On XX/XX/year>, I contacted Chase, and they informed me that I would need to fill out dispute forms through a claims tool available within their app. However, after thoroughly checking the app, I was unable to locate the claims tool they referred to. 

Given the circumstances and the unsuccessful attempts to resolve this matter directly with XXXX, XXXX, and Chase, I am filing this complaint through the Consumer Financial Protection Bureau in the hopes of achieving a timely resolution and receiving a refund for the unauthorized {$1100.00} charge. 

Actions taken : XX/XX/year> : Unauthorized charge appeared on my account for {$1100.00}. 
XX/XX/year> : Contacted XXXX and received an automated response. 
XX/XX/year> : Opened a dispute with XXXX. 
XX/XX/year> : Contacted Chase Bank and was instructed to fill out forms that were not available within the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year> I was contacted by what I was thought was Wells Fargo. The result was {$1000.00} was wired to someone from my checking acct and {$5000.00} wax wired to someone from my savings acct. Wells Fargo has denied my fraud claim. A police report has been filed.

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 2024-10-09 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: NY

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.

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 2024-10-09 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 sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. XXXX XXXX states that any billing errors must be corrected and the account updated to show it was paid as agreed.

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