vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: MD

Complaint narrative:
My personal information has been compromised, and there have been attempts to apply for several credit cards in my name. I was alerted by XXXX, which led me to place a fraud alert on my credit reports. I noticed inquiries on my report from the following institutions 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. I have contacted all the banks to cancel the fraudulent credit applications.

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 2024-07-30 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've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX  XXXX XXXX Balance XXXX {$6800.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/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 2024-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Had an existing account with Synchrony Bank paid on time and always as agreed. Synchrony has changed the terms of our agreement and I reject this change as Paper statements are essential and necessary for record keeping. This nonsense is discriminatory to those without internet or understanding of the processes to use online accounts. Because of this change I was required to cancel my account with them ; of which I am sure they are benefiting from as trustee.

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 2024-07-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was informed of Debt with XXXX and payment setup and paid with Retirement and Social Security Benefits and the they purchase the debt when went in default is this legal and I have not received verification the payment was made or done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never approved or agreed to have this information linked to my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 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: LA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXXXXXX 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 2024-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My interactions with Chase regarding my credit card dispute have been frustrating and unhelpful. I feel that the representatives I spoke with were not attentive to the details of my case, and their demeanor was discouraging. The charge amount of {$80.00} was made on XX/XX/year>, at XXXX XXXX, and I was supposed to receive a refund of {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
1 ) red-lining and dual-tracking on the part of Mr. Cooper while allegedly helping me to keep my home through loan modification. 
2 ) Never putting the home in my name despite my providing necessary documentation. 
3 ) Denial that original mortgage was a predatory and fraudulent loan by XXXX XXXX XXXXXXXX ; the victim was my XXXX, a XXXX United States XXXX decorated veteran. ( XXXX XXXX ) XXXX ) failure to acknowledge judgement of foreclosure was a fraudulent effort on behalf of XXXX XXXX XXXXXXXX on XX/XX/XXXX, yet including this event as evidence against me in a present judicial foreclosure action served to me on XX/XX/XXXX. 
5 ) Data Breach by Mr. Cooper acknowledged by Mr. Cooper on XX/XX/XXXX which has severely impacted my ability to obtain a loan or a refinancing of mortgage in order to bring my account current. 
Serving me with a XXXX XXXXXXXX XXXX on XX/XX/XXXX despite telling me they will help me keep my home. 
6 ) Racial discrimination against me, as well as my XXXX ( posthumously ) in not allowing me access to all the tools available ( forbearance, partial loan forgiveness, etc. ) to help me keep my home. 
7 ) Refusing to provide me with an assigned agent that could address all my needs ; instead each time Mr. Cooper was contacted, a different agent responded on a cue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX ) account-XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) accountXXXX XXXX XXXX XXXX I believe there may be inaccuracies in the reporting of these account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any information that I believe to be incorrect. Please provide me with the details of the investigation conducted to verify the accuracy of these account information. 

If the information can not be verified, I request that it be promptly removed from my credit report. Please send me written confirmation of the results of your investigation. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-07-30 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: SC

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Dear XXXX XXXX XXXX, I am writing to formally request validation of the debt you claim I owe, as referenced by the above account number. Please note that I dispute this debt and request that you provide sufficient evidence of its validity in compliance with the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I ask for : XXXX. Proof that XXXX XXXX XXXX owns the debt or has been assigned the debt. 
XXXX. A complete payment history, including all interest, fees, and charges. 

In light of the precedent set by *Pacific Concrete FCU v. Kauanoe*, 62 Haw 334, mere statements are not sufficient evidence of a debt. Therefore, I request that you cease sending statements as validation. Instead, provide actual documentation proving the debt. 

Additionally, this letter serves as a formal cease and desist request for all forms of communication with me, including but not limited to phone calls, emails, letters, and any form of electronic communication. Note that under this cease and desist order, reporting to consumer reporting agencies is also considered a form of communication. As such, I demand that you remove any and all references to this disputed debt from my consumer reports with immediate effect. 

Please be aware that continued attempts to collect this debt, including reporting it to consumer reporting agencies, will be considered harassment and abuse under the FDCPA. Should you fail to comply with this request, I will have no choice but to pursue legal action against your company for these violations. Below is an itemized list of potential costs should I choose to litigate : 1. Attorney Fees : {$2500.00} 2. Court Filing Fees : {$400.00} 3. Process Server Fees : {$100.00} 4. Damages for Emotional Distress : {$5000.00} 5. Statutory Damages under FDCPA : {$1000.00} 6. Costs for Time and ResourceXXXX : {$1000.00} Total Potential Costs : {$10000.00} I trust this matter will be resolved promptly to avoid any unnecessary legal actions. Please provide the requested validation documentation within 30 days of receipt of this letter. If you fail to do so, I will consider the debt invalid and expect its immediate removal from my records. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-07-30 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: NJ

Complaint narrative:
I claims couples transactions charge me but the transactions doesn't approve My claims, always they allow the the transactions to favor the companies, not favor us ( costumer ). 
Thank you for the opportunity claims and been right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report. Under the authority of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my right to opt out of the sharing of my personal information and request that you correct the inaccuracies on my credit report. The specific account in question is : XXXX XXXX CO, XXXX XXXX. The information being reported is incorrect because the payment history on this account is absolutely inaccurate. In accordance with 15 U.S.C. 6802, I am requesting that you : Verify the accuracy of the information being reported. If the information can not be verified, it must be promptly deleted from my credit report. Cease sharing my personal information with third parties without my explicit consent, as per the opt-out provisions of the GLBA. Provide me with a confirmation that these steps have been taken and that my credit report has been corrected accordingly. Enclosed with this letter are copies of relevant documents supporting my dispute. These documents should be used to substantiate my claim and facilitate a swift resolution to 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 non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was to recieve my overpayment check of {$5100.00} back in XXXX. Mr. cooper never informed me they would even be issuing me my overpayment and I discovered this overpayment myself. After I called to inquiry they informed the check was sent in XXXX. This was never received. I requested to have a new check reissued and was told that I would receive it in XXXX days. That was never received. I called well after day XXXX and was told it was in mailed XX/XX/XXXX and to keep waiting. I still never received the check. I called today XX/XX/XXXX and was told the check hadnt been reissued and the reissue was declined do to a timing issue. When I asked what this meant, XXXX, told me it meant the request was made during a time when they werent sending checks out that day? Ive never heard of anything like this. I would just like to receive my overpayment back. I asked how can I be sure id receive my check this time and was told just keep calling back and wait another XXXX days. 
This company is purposely trying to keep my money and by the looks of the other complaints online, Im not the only person. I would like to get my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I used Wells Fargo Bank to make Payments for Monthly Bills and Mortgage Payments in XXXX, 2014 I was informed that payments was not received and they put in Foreclosure and I loss my home and many of Monthly Bill Payment was paid and the Wells Fargo was not able to give me copies of Check of Bill Payments is this legal. 

The account was old account I used be XXXX  XXXX Account which Wells Cargo taken over Cashier and I had pay fees and services with this account.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My account with XXXX XXXX XXXX XXXX / XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX / XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My account with XXXX XXXX XXXX XXXX / XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX / XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief