vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion continually updates the address on my credit report to an address that I have not used in many years. TransUnion has just again updated the address on my credit report to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX It has been at least 4 or 5 years since I have lived at that address and as far as I know none of my current creditors even have that address listed. Still, TransUnion updates my credit report to reflect that wrong address as my current address. I have called TransUnion and asked them precisely which creditor or entity is providing that address to TransUnion so that I may contact them, yet TransUnion refuses to provide me that data.

This is causing serious problems since when I apply for credit and give the potential creditor my actual address, they see the wrong address on TransUnion and do not believe me.

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 2022-09-13 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: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX  ET, I received a transaction notification on my phone from Chime regarding a transaction for {$1300.00} from XXXX XXXX of XXXX, TX. I did not authorize this transaction, so I immediately opened the Chime banking app and XXXX transactions on my Chime card while I attempted to contact customer service. 

At XXXX XXXX  ET, I received a " transaction declined '' alert for a second transaction, for the same amount, from Chime. 

I immediately contacted Chime customer service via phone, where I spoke to XXXX, to whom I explained that the transactions were fraudulent and that I wished to file a dispute. XXXX directed my call to their Disputes team, where I spoke to a male with an odd manner of speaking, whose name I didn't catch. He explained that, because the transaction was pending, that I would be unable to dispute the charge until the transaction either dropped off my account, or settled. He started the process of issuing me a new debit card, and instructed me to watch my account for the next few days, and file a dispute if/when the transaction settled. 

On Saturday, XX/XX/XXXX, I saw that the transaction had been settled, so I proceeded with filing a dispute. On Sunday, XX/XX/XXXX, I received an email from Chime, informing me that my dispute had been closed and they determined that no error had occurred, and my account would not be credited for the amount in question ( {$1300.00} ). 

I contacted Chime customer service once again on XX/XX/XXXX, explaining that yes, in fact, an error HAS occurred, because not only have I never done business with XXXX, I also do not live in TX, my card has not left my possession, and I live thousands of miles from TX ( in CT ), so I clearly have not authorized this transaction and that I expect them to do a proper investigation and return the stolen money to my account immediately. Chime customer service responded that my message would be forwarded to their Disputes team, however, my dispute is still showing as closed on the Chime app, and I am still out {$1300.00}. 

I have also begun the process of removing my money from Chime, as I no longer feel that I can trust them with my money because they've allowed someone to commit fraud and steal my money right out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-13 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX Inquired XXXX XXXX, XXXX. Date of inquiry XXXX XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX XXXX, XXXX XXXX  Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX of inquiry XXXX Addresses : XXXX XXXX  XXXX XXXX XXXX Ga 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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I have two loans that are being serviced by Freedom Mortgage who continues to find every excuse to use " forced placed '' insurance on my properties. I have owned these properties for many years and have never been without insurance on these homes and yet I have to continue to fight with Freedom Mortgage to inform them that in fact, I do have insurance. As servicers, I thought they manage the insurance payments by managing the escrow funds. They appear to search for reasons to defraud the consumer by placing these predatory " insurance '' products on consumers that already have insurance. For consumers that are struggling to pay the basic mortgage, this type of dishonest practice will surely push them into default. I can hardly believe this practice is legal. Please do something about this and use Freedom Mortgage as an example.

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 2022-09-13 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-09-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Misleading Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
Some of the things that came up in the background check is my dads history also it has both of our information on there and he has more stuff than me that has been reported! Please pay close attention I am XXXX XXXX XXXX and XXXX self disclosed my charge before the background check actually came

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. 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 2022-09-13 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the XXXX XXXX, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I've been in contact recently with Aidvantage who is my new servicer. However, because of the payment pause, I've never made any payments with them so they don't seem to have any information that helps me. I HAD XXXX and previously XXXX XXXX. 

I went to school and earned my XXXX XXXX XXXX back in XXXX. I struggled over the years and was put into a forbearance multiple times as THEY suggested, which I know now was not the right decision. That's my first problem. Then I went back to school and earned my XXXX XXXX XXXX in XXXX and completed in XXXX. 

With the new information from XXXX XXXX and all of the changes within loan forgiveness and such, I began to wonder if my loans from XXXX were almost to a point of being forgiven since I've had them almost 20 years now. When I started looking into it, I found those loans had been consolidated multiple times without my knowledge and without my permission. Now it appears those loans are dated XXXX when they were actually disbursed back in XXXX. I requested some proof or an application where I asked for this but no one has record of it. I was told to file a claim at studenaid.gov which I did although I realized there's no option to complain about a servicer. I had to submit it like I was complaining about my school ( it wasn't their fault at all ). I then find out, while I'm researching, that I'm not longer in an XXXX. Not sure when ... why ... or how that happened. So I was told that I have NO qualifying payments toward forgiveness but if I wanted I could start right now. WHAT!?!?!?!? I have had these loans for over 20 years!!!!!!!!! I started off on an XXXX and now I ended up on some other plan and nothing counted. 
To recap : Problem 1 : They convinced me to go into multiple forbearances over the years. 
Problem 2 : XXXX XXXX consolidated my loans one time and then XXXX did it again without my request or knowledge at all. I never had any parent plus or any private loans so there was NO NEED for that. 
Problem 3 : I was taken off any XXXX and now my clock is completely reset on any forgiveness after I've had my loans over 20 years! 

I always get the run around so I'm just hoping you can help somehow. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: TN

Complaint narrative:
Incorrect Reporting

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 2022-09-13 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: TN

Complaint narrative:
There is misleading information that is reporting on my credit report

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 2022-09-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed nor did you send me anything, you seem to be ignoring my request and this is a violation of my right as a consumer. I sent the letter on XX/XX/2022, but it's been over a month now and I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to take legal complaint should you continue your negligence.

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 2022-09-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CERTIFICATE SAVINGS DEPOSIT ( CD ) FROM XXXX XXXX XXXX XXXX. I had a will from my Father, because XXXX English i keep the WILL in 25 yeas, and i have CERTIFICATE DEPOSIT ( CD ) FROM XXXX XXXX XXXX XXXX GUARANTED AS A MEMBER FDIC account number is : XXXX under my Father name is XXXX XXXX XXXX XXXX  XXXX XXXX... PLEASE, Help me how to find out the XXXX XXXX XXXX  XXXX XXXX THANK YOU SO MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
For over a year I have been trying to fix the improper Foreclosure statues that keeps getting reported to my account even though the account in question has been proven by Wells Fargo that there should not be a XXXX status reported. I will be attaching a document from Wells Fargo that shows proof from them that the account should not be in XXXX status. 
The account in question is : Wells Fargo Home Mortgage -Property sold on XX/XX/XXXX of 2020. 
Actions taken are : - Discussed issue with Wells Fargo - Received document to clear FC from Wells Fargo TWICE - Talked to All three Credit bureau and filed dispute on Wells Fargo - Submitted one claim to CFPB : Claim FAILED by CFPB - Disputed with again with ALL Three Credit Bureau 's and still no change.

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 2022-09-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed nor did you send me anything, you seem to be ignoring my request and this is a violation of my right as a consumer. I sent the letter on XX/XX/2022, but it's been over a month now and I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to take legal complaint should you continue your negligence.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, A hard inquiry has been placed on my file that I did not authorize. When trying to reach out to EXPERIAN they make it impossible to speak with a live agent and the phone disconnects me everytime.

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 2022-09-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed nor did you send me anything, you seem to be ignoring my request and this is a violation of my right as a consumer. I sent the letter on XX/XX/2022, but it's been over a month now and I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to take legal complaint should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, XXXX XXXX, and XX/XX/2022, I asked agencies to investigate items that I believed were reporting not XXXX percent accurate. As of now, I have no notice from them at all stating that the accounts are in investigation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am having to exercise my rights under law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all has violated my rights. 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 account without my written instructions. Reporting agencies also have failed to allow me to remove several inaccurate names and addresses. I've been living over 12 years at the same address which is inaccurate I have one name that was provided at birth but yet several names are reported on my report.

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