vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: WV

Complaint narrative:
Inaccurate information reporting to my file, I wrote these companies over thirty ( 30 ) days ago requesting a copy of any contract or proof of liability for these accounts but have not received any reply. These accounts are not mine. Please delete these accounts, as required by law, from my records in a way that they will not re-report at any point in the future.

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 2023-10-29 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: WV

Complaint narrative:
Inaccurate information reporting to my file, I wrote these companies over thirty ( 30 ) days ago requesting a copy of any contract or proof of liability for these accounts but have not received any reply. These accounts are not mine. Please delete these accounts, as required by law, from my records in a way that they will not re-report at any point in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: IN

Complaint narrative:
Subject : Non Response Letter. I submitted documentation for Equifax to remove all inquiries and XXXX XXXX XXXX because I did not signed a contract with them on XXXX XXXX. I received a letter from Equifax on XX/XX/2023, XXXX hours later stating that the reinvestigation was completed and everything will remain on my credit file. Equifax did not do a proper reinvestigation into the items I disputed. I have requested a method of verification documents under Section 611. I have requested a proper reinvestigation of the disputed items on my credit report. Under Section 609, I requested all information Equifax have on my file. Under Section 610, I have provided all the proper identification that is required for me to get the information. Under Section 609, I have requested copies of all documents that Equifax used to verify these accounts were accurate. I have respected to receive a response within 15 days of this notice I sent earlier this month. I never received a response from Equifax, which is a violation of my rights. I sent this letter by certified mail to all CRA 'S. There was no XXXX digit dispute code to reference what I am trying to dispute. My suffix name is not XXXX. Which is another violation, and wrong address. If accounts are still on my credit report, I will send a intent to sue on the violations of Section 609, 610, and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: WV

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX - Requested on XX/XX/23 EQUIFAX MORTGAGE SER Requested on XX/XX/23 XXXX XXXX XXXX - Requested on XX/XX/23 XXXX Requested on XX/XX/23 XXXX XXXX  Requested On XX/XX/23 EQUIFAX MORTGAGE SER Requested on XX/XX/2XXXX XXXXXXXX XXXX Requested On XX/XX/23 XXXX Bank requested on XX/XX/23 XXXX XXXX  Requested on XX/XX/23 XXXXXXXX XXXX Requested on XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I got a loan from New Rez, which became shellpoint and a few other names. I made every payment on time in addition to making 6 extra payments. I spoke to the company, sent in proof of payments and sent credit companies proof of this. The credit companies claim they didnt receive them even though they were sent return receipt requested. This has caused me untold grief and I cant understand how they can get away with it. They were sued along with XXXX and they lost that suit. Nothing I do seems to help. Please help me get this inaccurate info off my credit record. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: NY

Complaint narrative:
Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX. During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: NY

Complaint narrative:
Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX. During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This is the 3rd complaint I have a police report a XXXX XXXX report by Ally Financial XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again XXXX that has allows Ally Financial to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my XXXX XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per XXXX from Ally Financial and they have updated fraudulent information again on XX/XX/XXXX and closed this Ally Financial account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a XXXX XXXX report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from XXXX XXXX department XXXX that all the information they was given came from Ally Financial telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor ALLY FINANCIAL time XXXX stated they cant do anything its ALLY FINANCIAL that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against Ally Financial IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit reporting..

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent information be deleted from my Transunion Credit Report immediately. Please remove the following XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXXXX/XX/XXXX. Thank you, 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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have apply for housing and have been denied on multiple occasions because information that was incorrect on my credit report. I have reach out the credit bureau on multiple occasions about the issue with the incorrect information and the affect of the credit report has cause my family.

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 2023-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a replacement credit card with a different account number and a first billing cycle of XX/XX/XXXX to XX/XX/XXXX. A XXXX entry shows a balance of XXXX transferred from the previous card. This balance was the result of a previous balance transfer to the old card at a promotional interest rate of 0 %. There were no purchases included. Wells Fargo created a fictitious purchase balance of {$1000.00} and charged {$18.00} interest on that statement. This was followed by unauthorized and unallowable interest charges of interest charges of {$19.00}, {$18.00}, {$19.00}, and {$18.00} for the XXXX, XXXX, XXXX, and XXXX cycles. I discovered this total of {$94.00} when I paid off the full balance on XX/XX/XXXX just prior to the expiration of the promotional rate. Then I saw the {$18.00} interest charge on the next statement. I looked back and found the overcharges had started in XXXX. On XX/XX/XXXX, I was told that I will receive a credit within XXXX to XXXX business days. 

Wells Fargo has a well deserved reputation for theft from clients. Until this incident, I was not aware that Wells Fargo had ever stolen from me. Clearly, Wells Fargo lacks internal controls necessary to prevent such unauthorized and unallowable charges. 

On XX/XX/XXXX neither XXXX of XXXX different Wells Fargo employees I spoke to on the phone could tell me what government agency regulates credit cards issued by XXXX  banks. This is why I answered above that Wells Fargo didn't provide me with the information I requested. There is nothing on their statements that says what agency regulates them.

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 2023-10-29 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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-10-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 ( IMPACT RECEIVABLES ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 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: NM

Complaint narrative:
On XXXX XXXXXXXX  there was a charge to my XXXX Chase Visa card. When I received my statement mid XXXX, I did not recognize the charge and immediately notified Chase. They determined it was fraud and requested a refund from XXXX. In the meantime, I realized the charge of {$5800.00} was for concert tickets. I then called Chase back to tell them it wasn't fraud and that the charge was legit. They said they would repay the amount to the venue. I called the venue at which time they informed me that since they had already sent back the funds on XX/XX/XXXX  the seats were no longer available. I no longer had tickets. At this time I have followed every instruction given me by Chase to remove the charge from my account. They are refusing. I reached out to XXXX to make sure that they do not have the funds and they have assured me that they do not. I m being charged {$5800.00} for a product not received nor did Chase pay it. 
XXXX Transaction ID XXXX XXXX  Phone # XXXX My Chase Visa # before fraud was suspected XXXX Chase Card # now XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-29 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: AZ

Complaint narrative:
A XXXX charge account was opened, someone changed my email address and address on my XXXX credit card and had a new card sent out of state, and someone use my social to make a purchase on my XXXX account Im a victim of identity thieves in 2018 someone from another state XXXX miles away stayed a hotel my bank refused to provide me a credit back 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 explanation
Consumer complaint received 2023-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX New Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual 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 2023-10-29 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: TX

Complaint narrative:
Subject : Urgent Request for Assistance : Stolen Vehicle and Unresolved Identity Theft To the Consumer Financial Protection Bureau, I am writing to bring to your attention a deeply troubling and distressing situation involving identity theft, the unauthorized opening of a credit account, and the theft of my vehicle, a XXXXXXXX XXXX XXXX XXXXXXXX, XXXX sedan. The owner of the auto repair shop responsible for the theft of my car is XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX, TX XXXX. 

The sequence of events that led to this situation is complex but rooted in the mishandling of my insurance package by my former employer, XXXX XXXX XXXX. Upon being hired, I received my insurance package after 31 days, well after the enrollment window had closed, and they subsequently filed a report to rectify this. In the process, they also contacted the insurance to open a new window to allow for the inclusion of my package. However, during my employment, I applied for a XXXX XXXX XXXX XXXX XXXX credit card to obtain my employee discount, only to discover unauthorized activity related to my personal information. This led to the theft of my car from the XXXX XXXX XXXX employee parking lot. 

I believe that this situation may involve individuals connected to XXXX XXXX XXXX, including the general manager, XXXX XXXX, the HR representative, XXXX XXXX, and a XXXX, XXXX XXXX. I also noticed that an unauthorized XXXX XXXX XXXX XXXX XXXX account had been opened under my name, causing significant damage to my credit. 

Despite reporting this to the police ( report No : XXXX ), I am still awaiting resolution. The complexity and potential involvement of various parties in this situation have made it incredibly challenging to regain control over my identity and retrieve my stolen vehicle. 

I urgently seek your assistance in resolving this matter, ensuring the return of my stolen car, and restoring my financial well-being, which has been severely affected by the unauthorized credit account. Any help you can provide in this regard would be greatly appreciated. 

Thank you for your immediate attention to this serious issue. 



[ XXXX XXXX ] [ XXXX ]

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