vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This notice is to inform XXXX and Experian that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because XXXX added a late payment with the XXXX XXXX account which has been disputed several times. Further, XXXX and Experian never put disputed comments on the accounts required by law, violation. I have sent XXXX and Experian countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of XXXX. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report

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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 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 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : 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 explanation
Consumer complaint received 2022-04-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX XXXXXXXX {$49000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXXXXXX XXXX XXXXXXXX {$49000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

XXXX XXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights XXXX XXXX XXXX Has violated my rights XXXX XXXXXXXX Has violated my rights XXXX  XXXX XXXX XXXX Has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent

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 2022-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX I filed an application with Pentagon Federal Credit for a VA TYPE II refinance. Penfed did not provide an opportunity to explain seasoning is not required for type II VA loans and that the applicant already met seasoning requirements if they could apply. Penfed also failed to provide a loan estimate within 72 hours from applying. Because the XXXX loan being refinanced closed in XXXX, the first payments where due more than 210 days prior on XX/XX/XXXX or the date of the application. Because the covid forbearance credit suppression did not stop until XX/XX/XXXX, Penfed assumed seasoning requirements could not be met for a government backed loan product that can not include seasoning. XXXX  delayed credit suppression protection removal due to an erroneous Escrow Analysis from XXXX when the Veteran was found permanent and totally XXXX. The Escrow Analysis was not resolved until 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 2022-04-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX  XXXX {$49000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, Experian gave my credit report to XXXX XXXX XXXX XXXX who did not have permissible permission. For 5 years, I have repeatedly requested the copy of the permissible permission used by XXXX and Experian. This led to a loan that I did not sign nor have possession of the vehicle. XXXX and Experian sent the attached undated and incomplete application as proof of permissible permission that was even completed after my credit report was pulled. I constantly requested the valid permission used by Experian who just passes the buck to XXXX and who then constantly replies - " At your request to conduct a reinvestigation, we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. ''

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 2022-04-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company informed me directly that the payments for XXXX and XXXX were not late. I've spoken with them on two separate occasions and been advised this.

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 2022-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-18 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: FL

Complaint narrative:
My mortgage was with XXXX XXXX. The loan matured on XX/XX/2022 with a balance due for deferred escrows, interest and other fees. I have been trying for weeks to get a payoff amount. I've gotten quotes anywhere from {$5700.00} to over {$16000.00}. On XX/XX/XXXX I went to the local branch and after two and a half hours the assistant branch manager received a quote, which I paid immediately. Then 4 days later XXXX XXXX  filed a report with credit agencies showing I was late on my payment and ruining my credit.

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 2022-04-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit score negatively impacted when a consumer voluntarily closes a credit card account.

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score.

I am asking this to be changed.

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score.

Can this be done?

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 2022-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATLY.

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 2022-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC
State: CO

Complaint narrative:
SL finance said that I would be paying them for my student loans. I found out they are scammers. Ive been paying them and found out they are not putting my payments toward my loan. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. Phone number is XXXX. I had no idea they were a scam because they had all of my information. I was contacted by financial aid and informed that they were not a legitimate business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a business credit card that I got from chase XXXX XXXX and the card stated interest of 22,99 APR and would vary with prime rate so when I saw the account statement after having the card for less than two months and making a two payments on the account one being the required payment and the other being a voluntary payment and not seeing the appropriate deductions I reached out to chase with questions on how did they apply my payments. It looked as if they charged me interest on top of the interest and could not explain how it was charged. I got conflicting information from everyone I spoke to and wanted to file a complaint against them and have them send me a detailed description of how they charge me interest and how they apply my payment and refund me anything they did not apply to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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.

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 2022-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This account does not belong to me. I had no prior knowledge of this account it has been opened without my consent after my personal information was stolen from 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 2022-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
We've had issues with Rocket Mortgage ever since the loan originated and our family of XXXX plus pets were XXXX for 10 days. 

I lost my job in XX/XX/2022. I was slated to collect unemployment. Since losing my job, I have called numerous times to Rocket Mortgage to explain my situation and to try to get on a forbearance. I have sent, faxed, scanned, and took pictures of paperwork to send into them to get approved for the forbearance. For the longest time every time I'd call in they would say they needed my medical forms from my doctor for my sickness? which I would have to explain each time, this is due to me losing my job in XXXX, not because I'm sick. Rigamarole. 
XX/XX/XXXX ( I believe ) I spoke with a XXXX or XXXX, and she advised me that a partial claim has been approved and the next payment will be due XX/XX/XXXX. She explained this is a trial period, it is scheduled, modification packet is coming in the mail ; we would still get collection calls but not be reported to Credit Bureaus. Okay, so I assumed this was the forbearance we have been requesting and it's gone through. That is incorrect. 
We've been reported to the credit bureaus, and I contacted Rocket Mortgage yet again to go over our mortgage. I spoke with XXXX on the Account Resolution team and told him what was going on. He says we were never approved for the forbearance. We were put on hardship resolution so our payments were reconfigured. I asked why? He said because they never received all the paperwork for the forbearance. I said but I sent in everything? He said yes he sees all the paperwork received. I said then why was it declined? It wasn't declined, it was never processed. Why? because they didn't get all the paperwork. But I sent in all the paperwork- yes you did. So then I asked to speak to a supervisor and left a message for XXXX XXXX. I have yet to get a callback. I really feel like they are not handling our loan correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo opened a fraudulent account in my name. I spoke with a fraud department representative twice and she said it would be closed. The account has now been updated with my new address without my approval and has not been closed. The rep is now refusing to call me back when I get her voicemail. I never opened the account. I used to be a member but no longer am and havent been for 5 years. They said they couldnt tell why it was reopened. Wells Fargo has been know you open accounts in peoples names.

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 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$320.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 30 days, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the XXXX and EQUIFAX report, I am now, taking the extra step, because I really need these addresses off of my credit report.

Company response to consumer: Closed with explanation