vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF ED/XXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATION/XXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 

After you remove these items, please send me an updated copy of my credit report via mail.

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 2023-04-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a XXXX balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, Equifax, XXXX and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, XXXX, Experian and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.

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 2023-04-27 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: LEXISNEXIS
State: MO

Complaint narrative:
I've asked LexisNexis to investigate inaccurate information that is reporting on my credit report. This information includes a bankruptcy, late payments, charged off accounts and erroneous information related to my name. I do not have mailing address history with the reporting errors, and have asked them to investigate and remove these errors from my report. Attached is information I sent to them via postal service, along with all pertinent identification. 

There is no legitimate reason for this company to reject my dispute letters. I have also attached screenshots directly from their website that clearly state their identification requirements, and this proves that I followed correct protocol. 

The bankruptcy, charged off accounts, and late payments being shown as mine by LexisNexis are reporting fraudulently, is not true, accurate, or legally verifiable and this violates XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NV

Complaint narrative:
Im buying second home and find out theres a account from XXXX XXXX XXXX XXXX on my credit report and it doesnt belong to me

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 2023-04-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im buying second home and find out theres a account from XXXX XXXX XXXX XXXX on my credit report and it doesnt belong to me

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 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
SUBJECT : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRES Inquiry made by : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX made on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX violated my rights. Account opened XX/XX/2022. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 XXXX XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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.On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
{$200.00} Atm issue, the ATM failed before dispensing {$200.00} cash. My account elected that the {$200.00} depended on my account. However, the atm never issued the cash. Also, I was charged a {$35.00} fee for an overdraft. The {$230.00} was not refunded to me. On XX/XX/12 Wells Fargo placed that a {$200.00} credit was applied to my statement, however, I never received the refund for the {$200.00} and applied fees.

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 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I set up automatic payments with an approval for {$1500.00} with SLS.net ( specialized loan servicing ) a mortgage provider. 

They changed the amount to debit from my check account. Without prior authorization from me. 

They changed the amount to debit to XXXX which is a 36 % increase to my payment without my prior authorization. 

There is no reason they should have modified my account by 36 % nothing else comes out of the debit other than my mortgage payment itself. My taxes, insurance, hoa, etc is all paid by me throughout the year as it is due.

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 2023-04-27 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2022 I purchased a business model called the XXXX XXXX XXXX XXXX XXXX through XXXX XXXX featuring its owner XXXX XXXX. I purchased a service where they set up everything to go as PARTNERS to sell affiliate marketing services. Mainly, a diet product. I followed all the requests to purchase additional tools and had given them access to them so they can do their part. I also followed all the trainings to set up the XXXX page required. We have been getting shut down while I have been wasting extra money on paid ads, the reason for the shutdowns I now find out is because they keep creating multiple profiles which is strictly forbidden by XXXX. For this reason, XXXX has shut down my Ad account and I can no longer or ever advertise with them for life for ANY products or services. I have brought all my complaints to the XXXX XXXX support team that is handling my partnership and all I get is the run around. They don't answer. I've posted my complaints on their community forums only to be told to contact support and weeks later I get answers. I keep getting bombarded with emails to purchase additional services to " make my partnership work ''. I was supposed to only pay for this {$1900.00} fee and that was it! The rest of the expenses on advertising is obviously extra but for them to have the nerve to not get my partnership going is just unbelievable. So many other members are complaining and having the same issues. They just ignore everyone and block or erase posts. I have lost enough already, I want this part refunded and this guy XXXX XXXX investigated by the Federal Trade Commission. Paypal Credit is the credit card I used to pay for this and has denied me a refund. They claim that I made a contract with them, I sure did... They did not come up with their part of it! Wasting time responding, having me schedule " call meetings '' that all of the sudden would get canceled all to just gain time on the refund time frame so they could just rob and trick me. They suggest bad practices that I will not go for. It has been more than 7 months already and they have not delivered. Unacceptable.

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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have tried to no avail to work with XXXX XXXX XXXX I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and XXXX from other who have run into the same problem as I have with this company. 

I have been calling sending letter and getting zero assistance. 

I am a XXXX XXXX whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them.

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission

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 2023-04-28 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: NV

Complaint narrative:
I have tried to no avail to work with XXXX XXXX XXXX I will attach proof to this complaint showing dates, bank information including reference numbers. I will also show additional complaints from the Consumer Affairs and BBB from other who have run into the same problem as I have with this company. 
I have been calling sending letter and getting zero assistance.

I am a XXXX XXXX whom was hacked which was investigated and is reflected on two of my credit reports. I am simply asking they provide the details of my payments and remove my late payments from my record with them. 

I am the founder of a local 501c3 that rescues wild mustangs and works with veterans to end suicide. our website is XX/XX/XXXX I provide alot of the services for the horses and veterans out my pocket and I need my credit report to ensure the ability to get the items needed. 

Please feel free to publicize this account as needed you have my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XXXX Delete this account. 

8. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

9. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account. 

10. The inquiry was not authorized XXXX  Date of inquiry : XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT FOURSIGHT Account Number : 3187 Delete this account. 

17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Statement of Facts Chase : claim for return of funds XXXX dollars stolen by wire fraud. 
Incident information : In late XX/XX/2023, I lost my wallet containing my drivers license and ATM card. I called to make a lost report and to request a new card. Around XX/XX/XXXX, I was contacted by an individual saying they had found my wallet and they were willing to return it to me. 
I never got my wallet back. 
On XX/XX/2023, I was alerted to a wire transfer in the amount of XXXX dollars had been initiated. Someone calling under the guise of Chase fraud called me. Once I saw the transactions online I called to report it. 
I called and reported to chase fraud that I had not initiated this request and the person ( XXXX XXXX ) was not known to me. 
I also, filed a police report providing them with screen prints of the message I received from XXXX of the person claiming to have my wallet along with screen prints of the wire transactions that had been initiated and completed. 
I dont know how XXXX XXXX gained access to my account. Chase security should have prevented this. I have provided a claim report and supporting documents to chase on XX/XX/2023 have been in constant contact with Chase bank fraud/claims department since XXXX and yet I still have not gained any resolution to my request for a refund of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I am receiving restricted calls from the collection department ( Cross-country mortgage ) saying I'm not being worked with on a loan partial ( which I am working with loss mitigation ) for my Covid Forberence that ended in Decemeber XXXX. ( pictures attatched ). I received a call XX/XX/XXXX from the initials LiL ( women ). She did nothing but tell me I'm not being worked with on the loan partial when I know I am. I'm being in constant contact with the Loss mitigation department and I'm just waiting on the under writers. Due to high volume it is taking a little longer. So after I talk with initials LiL and she asks me for full payment I ask to be transfered to loss mitigation to see what's happening. Once I'm transfered a very rude gentleman in the background is yelling THIS IS NOT HOW IT WORKS and he hangs up!!! So I immediately call back and speak with a women from loss mitigation process and everything is fine she tells me they are just waiting for the approval and it will take time due to high volume. So now today XX/XX/XXXX I am receiving an email saying " We have previously notified you about the delinquency of your account. Our records indicate that we have not received your payment which was due on XX/XX/XXXX. ". I Was in covid Forberence until decemeber XXXX and resumed making my normal house payments in XX/XX/XXXX and since then have been making them. Why is the collection department saying I am delinquent from XX/XX/XXXX. Please look into my account. As of now I am being told I am waiting for approval on loan partial but am now starting to be harrased by the collection department.

Company response to consumer: Closed with non-monetary relief