vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX account number # # # # # XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me! 

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same. 

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
We sold our home and paid the full amount of the mortgage to XXXXXXXXXXXX XXXX XXXX {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
We sold our home and paid the full amount of the mortgage to XXXX XXXX XXXX {$120000.00} on XX/XX/XXXX  via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/XXXX  and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We sold our home and paid the full amount of the mortgage to XXXX Mortgage Servicing {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX  chime bank closed my Account for no reason. I had a remaining balance of {$620.00}. I was supposed to receive a check for that balance within 30 days. I patiently waited. It is now XX/XX/ and chime still has not sent me my check. I need my money asap, I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I opened an account with AMEX in order to save money for vacation. I used this account to transfer money to from my main banking account which is through XXXX. For whatever reason, the AMEX account had a fraud alert placed on it, and they closed the account. This leaves me with no access to the funds inside the account at all. AMEX tells me that XXXX has to fax them and recall the funds. XXXX tells me there is nothing they can do, and AMEX must return the funds. It's been an ongoing issue for weeks now with many phone calls. I leave for my vacation in two weeks and without that money that they're holding up I will be unable to go.There is {$700.00} ( plus any interest that it may have gathered ) in that account, that neither party wishes to help me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IA

Complaint narrative:
A couple of issues with Fay Servicing - In XXXX of XXXX I changed Homeowners Insurance carriers and between XXXX of last year and XXXX of this year, between me and my insurance carrier there were no less than 5 attempts to send the new insurance information to Fay Servicing . Fast forward to XX/XX/XXXX, I receive a notice that Fay Servicing was force-placing insurance on my property. During all of this, me and my insurance company were in contact with my SPOC ( single point of contact ) and were assured it was being taken care of. On XX/XX/XXXX, Fay advanced {$3400.00} out of my escrow acct for the force placed insurance. Reaching out again, was told their escrow department had never received the proof of insurance. I immediately got my agent and my SPOC on the phone together. Shortly after XX/XX/XXXX I received a letter stating the force-placed insurance was being cancelled. On XX/XX/XXXX Fay Servicing erroneously debited out of my checking account {$2400.00}. My regular payment was approx {$1900.00} which included and additional {$200.00} principal payment. Fay Servicing debited an additional approx {$500.00} without my consent. 

In addition to this, Fay Servicing set up a Loss Mitigation repayment plan that I didn't need OR request and as of today, the repayment plan is still reflected on my account. This is not the first time this has happened and will be following up with the FHA to ensure Fay Servicing is not receiving some type of servicer benefit from reflecting that an account is on a repayment plan. 

Last, but not least - I logged in to remove my banking information from their system and it will not let me remove it. Three or four times this week ( XXXX ) have left messages to have a manager, or supervisor call me to discuss to no avail, only voice messages from the SPOC. There are certain times I can talk outside of work and they will not call during those times and while they will call it an attempt to get a hold of me, I've been quite clear and have specified times. Agreeing to share this complaint as I hardly think that my experience is isolated and could possibly contribute to Fay Servicing being held accountable at the regulatory level for their questionable mortgage servicing practices. 

Including sceen shots of my payment and escrow history, the repayment plan & message not allowing me to delete MY banking information as well as letter rgarding force-placed being cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company is a scam.

You send a complaint to LVNV Funding and then get information about a sister company called Resugent Capital Management. ( Send Below ) Your Account Has A New Owner : LVNV Funding You still owe your debt but the new owner is LVNV Funding. LVNV Funding outsources the management of its portfolio of accounts to a company called Resurgent Capital Services. Resurgent Capital Services is a licensed third-party debt collector specializing in the management of these types of consumer assets. Resurgent may contact you directly or may ask one of their collection agency partners to help them reach out to you. 

I've send certified letter to both of these companies over a series of months. I asked for proof this debt was mine and they ONLY sent a statement to my mailbox. 

I told them, I NEVER received this card. Anyone could have used the mailbox and forwarded it to another address. 

They still have not removed this false account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I took out an auto loan with US AUTO Sales on XX/XX/XXXX for a XXXX XXXX XXXX. While I was late on some payments a few times, I was never notified that my account would be closed. 
My last payment was XX/XX/XXXX. 
My account was closed and sold to a company called XXXX XXXX XXXX on XX/XX/XXXX. 

When I saw the change to my credit and that the account was closed, I tried to go to US Auto sales location in my city of XXXX, GA and was surprised to find that it was closed. All of them are now closed. It would appear that the company itself has/is dissolving and sold all of their loans to debt collectors. 

My problem here lies in the change to my credit. My XXXX XXXX dropped almost XXXX points because it shows I paid off my account, when clearly I did not. Meanwhile, I still have to pay to the debt collector ( Westlake Portfolio Management ), and those payments/account are nowhere to be seen on my credit. 

At the end of the day as a consumer, I was using the car loan to build my credit as well. My goal with this complaint is to hopefully repair my credit before I have to find a new apartment this year! 

To whoever is reading this, thank you.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is stating my score is lower than it really is, XXXX XXXX XXXX FICO states it is 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 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an open case XXXX. IT has not been resolved and I am aware your case is still open. I am unable to access my information to update credit cards and other banking services. 
Bottom Line this has been ongoing sinve the beginning of XXXX when Experian has asked me to reconnect my XXXX XXXX accounts. From then on in XXXX I was no longer able to access my data. I have opened XXXX XXXX cases most recent was XXXX. 
I will attempt to attach a snapshot of my trouble. The message reads... 
Sorry, We're unable to process your request right now. Please try again later. I have reset my password sucessfully throught this connection issue. 
I have tried to contact an agent only to be rerouted many times to some other recording. So it has been almost 3 months only to still be unable to login and utilize XXXX which is what Experian feels is so Great. 
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 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

Please see the attached PDF file containing all relevant documents and evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a sofa from Home Depot. They charged me a higher amount than the online price ( approximately {$200.00} ). When I called Home Depot, they refused to honor the online price and gave me a customer satisfaction refund of {$50.00}. I notified Citi and filed a dispute with this information. They sent me a picture of Home Depot 's return policy and closed the dispute, ignoring what I had said. I called Citi, who said that they would continue to evaluate this dispute. However, online, they have already closed the dispute and sided with Home Depot.

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