vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
XXXX XXXX After reviewing my account, I noticed there was fraudulent activity reporting. There are accounts that I have no knowledge of or relationship with. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. I have no obligation to pay a debt collector and amount that is alleged and not mine. 

-Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account 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 2024-04-16 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: MO

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
Consumer complaint received 2024-04-16 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: MO

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 explanation
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. My ssn was stolen and used for this account. Please remove it from my credit report as it is penalizing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SFMC L.P.
State: TX

Complaint narrative:
The builder of my home, XXXX, had a " special '' promotion when closing on a " qualified home '' they would pay up to {$28000.00} in buyers closing costs. Prior to closing on my new home, I asked for an explanation of why {$9400.00} of the builder paid closing costs had been moved to the builder ( seller 's ) side of the settlement statement because it looked to me like the mortgage company had done this to avoid XXXX  challenges. The mortgage lender, who was the ONLY mortgage lender I could use in order to qualify for this promotion, said it was just how the fees were assessed. I called BS because I used to be a XXXX XXXX and I know how these things worked. Basically, to avoid my closing costs being considered XXXX, they moved XXXX over to the seller 's side instead of providing me credit back from the seller for those OVERPRICED points. 
I'm REALLY angry at how builders can get away with this kind of " cornering the market '' with kickbacks from their " promo '' mortgage lenders. Why are mortgage lenders and builders allowed to do this? I was badly taken advantage of and want this investigated by the CFPB. There was NO reason my closing costs should have been over {$30000.00} on a {$370000.00} loan. If the " points '' had been included on my side as it should have been, my closing costs would have been nearly {$40000.00}- which is ABSURD considering I got a 6.25 % interest rate.

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 2024-04-16 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: WI

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2024 I was a victim of bank account fraud and {$3900.00} was stolen out my bank account Wells Fargo notified me of the pending transactions and I denied both of the charges towards my account and told them that it was unauthorized the withdrawals was from someone in XXXX XXXX, FL. I dont live in Florida I live in XXXXXXXX XXXX XXXX XXXX 

But I got a text message at XXXX pm stating that someone was trying to take {$500.00} out my account at XXXX then someone from a Wells Fargo phone number called me then I told them what was going on and that the transactions were not authorized and they told me they would handle and the {$3900.00} was still taken out of my savings account. They had my card number, phone number and all my bank information and was able to send me text messages as well. From the Wells Fargo System. 

I notified the bank that it was not me an I dont keep large sums of money in checking account for that reason and when I contacted a banker the next day XX/XX/2024 she notified of the transactions where cancelled.

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 monetary relief
Consumer complaint received 2024-04-16 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: GA

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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX received notice that I was getting a credit card sent to my address. From my bank. Didnt apply for it. Bank will cancel it. But feels like my ss number was compromised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request my consumer report for XXXX and the current month, as well as my consumer file, to be sent to my email address.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to get my free credit report from XXXX and Experian responded that they can not provide my free report. This has happened in prior years too. For at least the past 6 years Experian has not been able to provide my free credit report and they do not justify why. They appear to be evading the federal requirements.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a dispute to all three credit bureaus to have my credit report updated with the accurate information and the information was not updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I dont even know where to begin? okay so theres an accout reporting from FCO, that doesnt belong to me. Apparently, someone obtained an apartment in my name. i sent the affidavit months ago. i was later advised that i was required to send my lease that showed my residents from XXXX. I reached out and called the collection agency in XXXX of this year. I was informed to email leases which i did, and until this day, IN XXXX i have yet to recieved a follow up or resolution. i just dont know who to turn to at this point. Im asking for a removal of account from profilel ACCOUNT # XXXX XXXX XXXX XXXX WAS THE REPRESENTATIVE I CORRESPONDED WITH IN EMAIL

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX. Price that we did not agree to Price that we did not agree to XXXX message XXXX XXXX XXXX Tue, XXXX XXXX, XXXX at XXXXXXXX XXXX To : XXXX - XXXX XXXX Hello XXXX, im still waiting in a resolution regarding my claim. I haven't heard anything back regarding our recent conversations regarding the irregular prices for the jewelry. We're you able to rectify the matter with the store in XXXX? 
[ Quoted text hidden ] From XXXX XXXX XXXX message XXXX - XXXX XXXX Tue, XXXX XXXX, XXXX  at XXXX XXXX To : XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Hi XXXX, Upper management is reviewing your open claim with us. I will update you as soon as possible. 
Best, XXXX [ Quoted text hidden ] XXXX. 

Email sent from XXXX XXXXXXXX XXXX XXXX to me : XXXX customer service XXXX message XXXX - XXXX XXXX Wed, XXXX XXXX, XXXX  at XXXX XXXX  To : XXXX XXXX XXXX Since you did not agree on these prices we want to help conclude to resolution by giving you partial refund. How much would you like as refund? I will bring that price to upper management and see what we can do. 
Best, XXXX [ Quoted text hidden ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX U.S.C XXXX SECTION XXXX ( a ) ( XXXX ) 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 XXXX YEARS. XXXX U.S.C XXXX ( A ) ( XXXX ) 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 INFORMATIN IS INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX U.S.C XXXX SECTION XXXX ( a ) ( XXXX ) 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 XXXX YEARS. XXXX U.S.C XXXX ( A ) ( XXXX ) 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 INFORMATIN 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 2024-04-16 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: MD

Complaint narrative:
i contacting today regarding in a victim of identity theft.i checked my credit file and i see some unauthorized fraudulent inquiries listed on my credit report.i have no knowledge of these companies.i never gave anyone permission to run my credit.please remove the following fraudulent inquiries 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 2024-04-16 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: CA

Complaint narrative:
My XXXX XXXX XXXX son made un-authorized charges to our credit card account through the XXXX gaming application. This was tied to our XXXX account, which is tied to our CHASE credit card account. Over the course of XXXX weeks, my son charged {$580.00} to our credit account. Chase did not advise us of ANY suspicious charges until XX/XX/2024. On XX/XX/XXXX, we stopped the charges and contacted XXXX, XXXX and Chase. None of them will reimburse us. My claim was denied as it stated that we received a benefit from the transaction. However, they did not notify us of any suspicious activity until almost XXXX weeks after it started and they were not authorized charges as they were made by a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
The account was closed a year ago. I am in a very difficult financial situation right now. I can't pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NATIONS RELIABLE LENDING LLC
State: OH

Complaint narrative:
XXXX dated XX/XX/2024, attached, from NRL Mortgage highlights 'Notice XXXX Mortgage XXXX XXXX XXXX to take place XX/XX/2024. 

Unfortunately, on page XXXX of this document the following first paragraph states : " NOTICE OF SERVICING TRANSFER The servicing of your mortgage loan is being transferred, effective XX/XX/2024. This means that after your loan is transferred, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. The transfer of servicing does not affect any term or condition of the mortgage loan other than terms directly related to the servicing of the loan. '' Unfortunately, there was also an undisclosed 'Loan Transfer ' that seems to have been quietly avoided. And, the reference that nothing else will change may also be incorrect. There is a new loan number and a new loan owner. This seems to have gone well beyond XXXX XXXX ' interpretation and understanding. 

Additional documents provided display credit bureau score impacts during this time that need a new recovery window. Every customer involved in the non-disclosed mortgage transfer has been affected. 

While everyones individual credit is affected differently, the possibility exists that for some, the opportunity during the window of time of the reporting could either allow for applying for more favorable terms on a loan or credit card, or more importantly result in denied credit or unfavorable terms. 

XXXX may have not fully disclosed transfer requirements that detailed all involved as it did include a loan, a new loan number and credit bureau impact. 

XXXX attempted to say a thorough investigation was performed from my initial complaint, however, the response was too rapid as mre detail had been provided. 

An attached document regarding a XXXX Bank credit card has not yet fully recovered from a XXXX point drop.

Company response to consumer: Closed with explanation