vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. I never received any document informing me of this debt which it is no belong to me. I have never requested any credit card from Wells Fargo. I am a very hard worker. I am the Head Household. I am a single mother with two minors. They are making me pay a debt that is not mine unfairly.

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 2023-05-23 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2023-05-23 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: TX

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION
State: WA

Complaint narrative:
I received a private student loan from Sallie Mae. I am late on payments. They have called family members, friends and employer to coerce me into paying. I called demanding that they stop and was told by account manager XXXX XXXX that she is allowed to reach out to whoever she wants and will continue to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
There are student loans that is reporting to the bureaus for the amount of {$42000.00}. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These loans have been forgiven but is still being reported. They need to be removed from my credit Due to the education and privacy act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX XX/XX/XXXX do not recognize this account, I would like out to be removed XXXX XXXX XXXX XX/XX/XXXX account is closed would like it to be removed

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 2023-05-23 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: AR

Complaint narrative:
XXXX XXXX XXXXXXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a zero balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: AR

Complaint narrative:
XXXX XXXX  XXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a XXXX  balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: NJ

Complaint narrative:
My name is XXXX XXXX and I received a bill from Joseph , Mann & Creed ( Debt Collector ) for a bill due to XXXX XXXX for some service done with statement date XX/XX/22 at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Last year at this time, I resided in New Jersey. I have absolutely no associated to this address and have the documents to prove my residency. I spoke to the debt collector and they also confirmed that birthday of this XXXX XXXX XXXX did not match my birthday. They recommended me to file an online report to have investigation done if someone is impersonating my information or they just somehow have the wrong XXXX XXXX and got my information illegally. 

Please investigate this matter further

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all information pertaining to the account listed above 100 % accurately.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.

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 2023-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I was sent a modification program letter in XX/XX/2023 stating that my account was delinquent and that I had been approved for a modification. My account was never delinquent and after calling the servicing company, it was explained that my account was current and it was simply a solicitation for a modification. I told the agent that I was not interested and she explained that they would withdraw the offer. 
I'm now receiving a letter from the servicing company that I have been delinquent for two months that my account is put into forebearance. In order to bring my account current, I have to pay {$8000.00} for accept the loan modification. I have a monthly automatic deduction each month and for some reason, the servicer did not withdraw my payments thereby automatically putting me into forbearance. This is nothing more than a trap to push consumers into another loan modification. I specifically turned down the modification and now I have pay an {$8000.00} lump sum to bring my account current. This now puts us in a very difficult financial position for absolutely no reason what so ever. The new modification has a 30 year term and a lump sum of $ XXXX at maturity. To me, this is nothing more than fraud to trap consumers into taking the modification. It's left us with a very difficult and painful decision.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Financial Institution : Fifth Third Bank, XXXX, XXXX  In XX/XX/2022, I called the XXXX # provided to me in my bank statement to dispute an unauthorized charge on my credit card statement from XXXX XXXX for {$160.00}. 53 Customer Service, cancelled the card, issued a new card. But " FORGOT '' to complete their procedural steps to mark the charge as disputed. They applied numerous late fees and the worst part is reported it on my credit history. 
Due to this, I am having numerous hardships- denied access for mortgage pre-approval, higher auto insurance costs and so on. 

It has been SIX months and they filed another dispute but that was denied stating it was beyond the time allowed to dispute. 

They new tell me it has been escalated. It is difficult to good customer service. Their customer service agents DO NOT follow their procedure and cause undue hardship. I am now forced to take time off from work, loss of pay, and physically go to a XXXX  bank location to talk to someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
CHIME HAS CLOSED MY ACCOUNT UNEXPECTEDLY MY LIFE SAVING OF XXXX $ I have rent I have kids I have bills I cant buy food cant get gas for work nothing all of my money was on chime including my work deposit and no one has given me a update about when I should receive my closure check I dont know why it was closed unexpectedly please help I really cant believe this happening

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
With CItibank, somehow, we were signed up for estatements. We don't do estatements. Never have, never will. Citibank reached to us when the account went 30 days past due. We weren't aware of the estatement situation ( in checking all of those estatements that we didn't sign up for were sent to our junk file ). We have a stellar history with Citibank and have ALWAYS paid them in a timely fashion. 

Now, because Citibank didn't reach out to us until the account was 30 days past due and we were signed up for estatements ( again, something we don't do with ANY creditor ), they reported one past due to our credit. It has damaged our credit and I've had other credit cards reduce our credit ( XXXX XXXX ) by {$2000.00}. Irresponsible behavior by a company and a lack of follow up on their behalf has damaged our credit. I am furious. We spent a lot of time getting our credit rating over XXXX and that has been damaged by Citibank. 

Citibank has been contacted on this issue. They claim we signed up for estatements in XXXX of 2023. Again, we would never do that. Further, Citibank SHOULD have reached out to us before it was 30 days past due ( many companies due in these circumstances ). If you look at our credit history, we have no missed payments. These " accidents '' have long term ramifications for the consumer and it is wrong for them to report it without contacting the customer. 

I have attached the notice from XXXX  XXXX and I want Citibank to reverse this reporting to XXXX or I will pursue legal action.

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 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I was sent a Credit Card I didnt want and never activated. I dont recall ever applying for it either. Nevertheless, I have received a bill from them for {$75.00} annual fee charge. When I called them they basically said they didnt believe me and that unless I could provide evidence. How do I do that? What evidence is there that I could send them? This is the information for them : Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NV

Complaint narrative:
I am writing this complaint due to the fact that I was in the situation loosing my home, I did used a HUD Certified Agency to help me to save my home. Unfortunately my home was sold in a Trustee Sale for the amount of {$230000.00} and the unpaid debt was {$200000.00}, these is wrong because we bought the house for {$120000.00} never refinance, never borrower any funds from the property. My negative balance was {$69000.00} and the balance owned is {$78000.00} please see the support documents. Several time I have request the Final Payoff from the Servicer and never replied on the request, we have called and send an emails, and they never responded. I have the right what was the final negative balance owned, so I can recruit for the XXXX XXXX Records the different amount owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been struggling to get XXXX, Experian, and XXXX to update my personal information. I sent letters to all 3 bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of my requests have gone ignored. This is ridiculous! I demand that my personal information be updated immediately and all addresses are deleted from my credit report. The only address that be showing is my current residence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And please delete XXXX, I do not work there for my employer. I work for 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