vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint has been filed with the CFPB to request that TransUnion, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the information on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. The fraudulent, inaccurate, and false information includes an account opened at XXXX XXXX  on XX/XX/XXXX, under account number : XXXX. This account has resulted in multiple fraudulent hard inquiries and derogatory items appearing on my consumer FICO credit report. 

I have attached a list of the derogatory items in question, along with a copy of the consumer FICO credit report maintained by you, which shows the fraudulent entries. I do not recognize the accounts, collections, or hard inquiries referenced above as legitimate. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. 

To support my claim, I have attached a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ) as evidence from the U.S. Federal Trade Commission confirming that all of the accounts, collections, and hard inquiries mentioned above are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: MO

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from 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 2024-08-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from 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 explanation
Consumer complaint received 2024-08-09 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: CA

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 2024-08-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I recently got a copy of my credit report and noticed a bunch of addresses that Ive never lived in that were not mine. Please remove these addresses that I do not know of. I should have only one address on my credit report and that is XXXX XXXX XXXX XXXX, TX XXXX. I have attached a photocopy of my driver 's license and phone bill. Please delete these addresses immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MO

Complaint narrative:
I received a call from Maxlend asking me to return their call regarding my loan. I did so on Wednesday, XXXX XXXX. I spoke with an Advanced Customer Representative. She asked me how she could help and I explained to her that I was in a debt consolidation plan ( XXXX XXXX XXXX ) and that I needed a statement ( email ) with my name, address, amount borrowed, amount due and account number. I told her there was no where on their website for me to garner that information for the debt lenders. She said hold and Ill send the email now. I never received the email. Yes, they have my email address in their system correctly because I receive many emails regarding my account. Maxlend has called me approximately six times since that call asking for me to return their call regarding my past due account. Since the 7th phone call I have asked an additional three times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to 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 explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to express my serious concerns regarding Chase 's handling of fraudulent charges on my account. While the company has credited my account for the fraudulent transactions, they have failed to address the interest and late fees that accumulated during the period of investigation. These fees have now exceeded {$1300.00} and continue to negatively impact my credit score. Despite this, Chase has not taken any steps to rectify the delinquencies reported to the credit bureaus, which is a direct result of their mishandling of my account. 

Moreover, Chase has not provided a satisfactory explanation as to why they have refused to refund the {$9500.00} in XXXX transactions. The reliance on XXXXXXXX XXXX as proof is insufficient, as it does not definitively establish that the transactions were authorized by me or on my device. Additionally, Chase has yet to justify why they have not refunded the {$8500.00} charge to my XXXX XXXX XXXX. 

The companys lack of action and inadequate responses have not only been financially damaging but have also caused me significant emotional distress. I believe their conduct in this matter is both unethical and in violation of consumer protection standards. 

I kindly request your assistance in resolving these issues promptly and ensuring that Chase is held accountable for their actions. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: IL

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming 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 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My loan was transferred from XXXX XXXX to Mr. Cooper in XXXX XXXX. At that time they failed to file the assignment of mortgage. As a result, I am unable to sell my property and close because there is no evidence that they own the loan and are legally able to discharge it. 

Because they did not file the assignment as required, my closing has been delayed, resulting in a material financial impact to me and the buyer as we wait for resolution. 

Mr. Cooper 's first-line representatives were unable to assist with this issue and it was challenging to get to their escalation team. Only after several days and attempts was I informed about a research team. 

Their update regarding potential resolution time is 7 business days, which means it will have been 12 business days since my initial contact with them. This seems excessive considering it's delaying a financial transaction, and the issue has effectively been outstanding since XXXX XXXX, over 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MA

Complaint narrative:
I received a credit card in the mail ( that i did not apply for ) today ( XX/XX/year> ) from : Cash APP XXXX XXXX XXXX XXXX XXXX, IL XXXX. The back of the card states that it was issued by XXXX XXXX. I believe that I am the victim of identity theft and someone requested a credit card in my name without my knowledge or consent. I have already had my credit frozen with the 3 major credit reporting bureaus for the past year. This appears to be a shady business practice of issuing credit cards without running a credit check on the applicant by Cash APP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MO

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I made a purchase through XXXX around XX/XX/2023 using Affirm as a pay over time option. I canceled the purchase immediately. I reached out to affirm several times to notify them that the purchase had been cancelled and the product was never received. They refused to remove the charge and advised me to contact the original company ( XXXX ) from which the purchase was initiated. I contacted XXXX several times regarding a refund. They refused to refund my monies. I contacted affirm again trying to get the charge removed over 2 months and they still refused. I contacted XXXX again and upon their investigation they confirmed I never received my purchase and granted me a credit. I then paid the loan off through Affirm and asked for the late payments reporting to be updated to on time due to not receiving the product and paying loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MO

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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:
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below 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 non-monetary relief
Consumer complaint received 2024-08-09 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: IN

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to 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 explanation
Consumer complaint received 2024-08-09 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: IN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION
State: MN

Complaint narrative:
Sallie Mae advertises an interest rate between 3.5 and 15 %, yet after running a hard credit check, you will receive the high-end rate, which is worse than my credit cards. I have a credit score of XXXX  and a XXXX salary, with less than $ XXXX  in debt outside of student loans. There is no way that I should be falling at the highest rate. When I tried to get an explanation on the rate all they could tell me is it's a mix of factors and you can take it or leave it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX sent me a refund in the amount of {$1500.00} to my XXXX account and on XX/XX/XXXX XXXX sent my refund back to my credit card company elan credit card Services credit card company my credit card ending in XXXX My credit card company never received the refund. I tried to call XXXX and they gave me a wire number that they use to send my refund to elan services credit card company I tried to give that wire number to elan credit card services, They can not locate my refund and I dispute it with the dispute department to see if they can investigate it further and I received a letter in the mail from Elan credit card services saying that they do not have my refund never received my refund. Ive spoken to XXXX over XXXX times on the phone and all they can tell me is Im sorry you cant find your refund please escalate it further with your credit card company and which I have done that with Elon Credit Card services and they tell me that they have no record of any refunds For me after XX/XX/XXXXXXXX The original purchase date for this product was XX/XX/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