vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I have asked both XXXX and Mohela for my payment history for at least the last 5 years. All they have sent me is the loan disbursement history, and not payments I've made throughout the life of the loan. 
Mohela says they only have what XXXX sent them, and XXXX has said they have sent Mohela ALL loan information when it was taken over by them around XXXX. I recently requested once again my loan payment history, and attached is all Mohela sent me. Once again, just the loan disbursement history and NOTHING showing what I paid into these loans. These loans are part of XXXX XXXX XXXX XXXX XXXX XXXX  and I need to know the exact amount of money I have paid into these loans over the last several years to ensure my refund is correct. The servicers the DoE gave these loans to have AWFUL and biased bookkeeping, only showing what loans they have had and NOT what I have paid into it. I contacted my bank where I made these payments from and they don't have statements that old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: TX

Complaint narrative:
XX/XX/year> : Title requested Payoff quote via phone and email with borrower authorization XX/XX/year> : Borrower called XXXX times and was told systems were down, request was sent twice to back office and letter will be received within XXXX hours, and letter will be emailed to me. Also went online and requested the form 3 times and sent an email to XXXX XX/XX/year> : Borrower and Title company called Selene Finance and requested the Payoff Quote and was told the policy is XXXX days sent and not XXXX hours. There is no email or fax option and I would need to put in a request to speak to a supervisor. 

Closing is scheduled for XX/XX/year> and the lack of XXXX 's cooperation has delayed closing which is delaying my future closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Barrett Financial Group, L.L.C.
State: AZ

Complaint narrative:
My problem began when the loan process started. I am a XXXX XXXX XXXX XXXX for my client and the buyers for my client 's house used this particular lender to obtain a loan. The communication was minimal since XX/XX/XXXX. I reached out asking for an XXXX XX/XX/XXXX and XX/XX/XXXX and XXXX. I was ignored every time. I also was told the lender was getting XXXX XX/XX/XXXX and that the lender could close the loan early. Come XX/XX/XXXX at XXXX ( we were supposed to close XX/XX/XXXX ) the lender informed me he has no way of closing because the closing disclosures were not signed ALL day the day before. He also was unresponsive 11 times via text messages ( our main form of communication ) and XXXX time via email. He said we would be closing XX/XX/XXXX and now we are in the process of not being able to close until XX/XX/XXXX but it's not guaranteed. The lender is not doing what he can to close the loan within the timelines he agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Hi, XXXX on XX/XX/XXXX, I got credit report alerts stating there were XXXX hard inquiries and XXXX new credit card application linked to my credit report. However, I NEVER initiated any of these. I am very scared about a possible identity theft. I am detailing the companies below : XXXX. New application Source : Experian Alert Date : XX/XX/year> Event Date : XXXX Name : XXXX XXXX XXXX. New inquiry Source : Experian Alert Date : XX/XX/year> Inquiry Date : XXXX Name : XXXX XXXX XXXX New inquiry Source : Experian Alert Date : XX/XX/year> Inquiry Date : XXXX Name : XXXX XXXX. Source : Experian Alert Date : XX/XX/year> Inquiry Date : XXXX Name : XXXX XXXX XXXX XXXX Please help me out and immediately close accounts if any credit cards or anything issued to above. Also please let me know how to address this identity theft. 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank NA offered me a below XXXX percent interest rate on balance transfers, which I accepted. I then used the card for purchases. When payment was due I paid more than the amount of the purchases to ensure that the purchases would be paid off every month. Citibank applied a large percentage of the payment to the low percentage rate balances and NOT the 28.99 % interest rate purchase balances. It did not pay off the high interest rate balances, thus forcing me to pay 29 % interest even though I paid enough to repay purchases and all purchase balances. This is devilry and trickery. It goes back to the statement closing XXXX XXXX. 

Closing date XX/XX/year> I am charged interest for XXXX cents of purchases that there is no explanation for, despite making a {$70.00} payment ( minimum due {$65.00} ). The high interest balance was not paid off. 
Closing date XX/XX/year> I am charged interest on XXXX cents in purchases balances despite making a payment of {$75.00} ( minimum due {$64.00} ). The high interest balance was not paid off. 
Closing date XX/XX/year> I made purchases of {$180.00} and paid {$220.00} on them. The high interest balance was not paid off but I was charged interest on {$46.00}. 
Closing date XX/XX/year> I made purchases of {$70.00} and made a payment of {$220.00} and the high interest rate balance was not paid off. I was charged interest on balances of XXXX. 


I paid more than enough to pay off the purchase balances and instead they were not paid off and the low interest rate balance was reduced.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
On XXXX XXXX I Called Concora Credit in regards to an error I found on my credit card statement that alleged I missed a payment. I told them that I had submitted my payment via postal mail. And I requested an investigation immediately for the fact that I was now disputing what Concora Credit claimed I owed. Instead of following my directions they continued to collect a debt while it was in dispute. And communicated false information to the credit reporting agencies that I had missed payment/late payments harming my reputation. In attempt to resolve this matter I also wrote a letter to Concora Credit requesting the original agreement, that shows their rights to communicate false information, and they still ignored my request. I have been harassed and abused by Concora Credit by unfair and unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Due to several data breaches my personal information has been compromised and several accounts who dont belong to me were opened in my name. I have attached a copy of my only address/ my passport which shows my legal name and proof I filed an identity theft report with the ftc along with freezing my reports via lexis nexis. All names addresses and accounts listed with transunion are false and do not belong to me. I have attached proof of my only identity, my only account number which is my social security number and a proof of my only address from a government agency 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Charged late fee after signing up for autopay with autopay not working. Late fee is above the maximum limit set by Cfpb

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
On XX/XX/year> at XXXX I called after numerous attempts at getting my security freeze lifted via transunion website and it kept telling me to call their number XXXX. Which I did about 6 times again the automated system disconnected me. In one instance, I chose to have the system call me back once a representative was available and the system called me back but, no one was on the line. Then I called back and waited an hour for a Representative. The Representative I spoke to was a lady named XXXX XXXX who I think messed up asking me some verification questions and was told they couldn't verify my identity after giving her my Full Name, SSN, Address, Email, DOB and Phone number. I then was told to call again in order to get another Representative and go through the process again. To which the new Representative asked the same questions and he was able to gain clearance to the lift of my security. This whole ordeal was ridiculous and no company should have such incompetence when dealing with people and their rights.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear JPMCB CARD, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003.

It has unequivocally come to my attention that JPMCB CARD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for JPMCB CARD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that JPMCB CARD immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that JPMCB CARD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: TX

Complaint narrative:
I received a phone call on XX/XX/XXXX at XXXXXXXX XXXX by a Representative named XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX, Wyoming. Regarding a pending civil lawsuit to be filed for a breach of contract from XXXX XXXXXXXX XXXX also known as XXXX XXXX for the amount of XXXX. She claimed it was opened from XXXX to XXXX which I do not recall. I've lived in XXXX since XXXX. She claims a correspondence was sent on XX/XX/XXXX explaining the debt that gave me 30 days to contact a lawyer and respond. I explained to XXXX XXXX I did not receive this correspondence, and to resend this to me. She agreed but would not send me statements as proof of this debt. She said I had 24 hours to settle this debt with payment option or I would be sued, and the process would begin. She said it would not be possible to send me statements or proof of the charges unless I went to court to dispute this debt and then these statements would be revealed to me. She claimed legal fees could range from XXXX to XXXX dollars, so If I didn't agree to settle this debt while I waited for this correspondence and demand letter of a lawsuit, the processing would begin without proof of the debt or officially being served a court notice at all. 

So I agreed to pay XXXX a month while I checked my credit report and investigated this debt. I have given 3 payments thus far and written two requests via email for statements regarding this debt and I have received in return is papers to sign. 

This creditor is not located on credit report nor any payments to XXXX XXXX, however a fraud alert has been placed on my credit report because of false information found by an investigation done by XXXX and all three credit bureaus. I have purchased two different identity monitoring subscriptions. My information and my daughter 's information has been leaked on the dark web. Someone also has purchased cryptocurrency from XXXX on the dark web in my name as well. A post office box has been purchased in my name in California where I have not lived since XXXX. An address in XXXX Texas on XXXX XXXX is also reported on my credit report from where I also have never lived at. An employer by the name of XXXX XXXX is reported as my current employer, which is also fraud. I haven't been employed since XXXX. This false information has been removed after being investigated. 



attachments below of all correspondence received. Proof of my identity is also attached. 

I also have recorded my conversations with XXXX XXXX XXXX as proof of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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