vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the listed accounts ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1400.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX To : XXXX XXXX Mr. Cooper Customer Relations Specialist Please investigate and fix my Mortgage Principal Balance. Do not reply just for the merit of replying. This is my Third Request. 


REFERENCE : XXXX Wrong Increased Mortgage Loan Principal Balance. 

PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MORTGAGORS : XXXX XXXX PLEASE SEE DOCUMENTATION ATTACHED THAT VALIDATES MY ARGUMENTS ABOVE. PLEASE INVESTIGATE AND FIX MY MORTGAGE PRINCIPAL BALANCE IMMEDIATELY. 

XXXX XXXX this a response to your email I received on XX/XX/XXXX, on my personal email XXXX. 
1. You incorrectly stated, Regarding the interest rates of this loan : On XX/XX/XXXX, the starting interest rate was 6.625 %. '' The interest rate on XX/XX/XXXX. XXXX to the present is 3.750 %. 
2. You incorrectly stated, The prior lender was XXXX XXXX XXXX XXXX Please see the XXXX Mortgage statement from XX/XX/XXXX. Please, be advise that this statement has the wrong principal balance. 
3. On XX/XX/XXXX Nationstar/Mr. Cooper got the loan from XXXX Mortgage and raised my fixed interest rate from 6.625 %. to 6.63 %. 
4. On XX/XX/XXXX Nationstar Mortgage changed my interest rate to 4.750 % after I was already approved for interest rate 4.625 %. 
5. Please see the payoff demand statement from XXXX from XX/XX/XXXX. The total amount to release my mortgage loan was {$270.00}, XXXX Please investigate before responding to me as this is the second letter response without an attempt to fix the problems in my principal loan balance. Please fix my Principal Balance immediately as requested on my previous letter dated XX/XX/XXXX. 



Thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Due to COVID 19 I am currently based outside the US and I am based in XXXX. I need to make Bill Payments for my financial commitments in the US via Wells Fargo Bill Pay.

Since I am outside the USA, I don't have a US Cell phone number and I have been asked by Wells Fargo Online to confirm my identify when I tried to add bill payer XXXX XXXX XXXX XXXX to my Wells Fargo Online profile.

I have spoken to Wells Fargo Online about this matter on several occasions and nothing has progressed on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: AZ

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; .The account : XXXX XXXX Balance Owed : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2022-03-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX .The account : XXXX XXXX Balance Owed : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
Under The Fair Credit Reporting Act : XXXX AND TRANSUNION furnish false/inaccurate/unverified accounts against my wishes, namely : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXt # XXXX XXXX and Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX All of these unknown accounts has violated my rights and cause me injury and damages. In addition, 15 USC 1681 section 602 A, states a consumer reporting agency can not furnish an account without consumer 's 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 2022-03-23 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: TX

Complaint narrative:
I am respectfully requesting the Credit Boroughs in accordance with The Fair Credit Reporting Act, please correct and update their records to reflect my correct information.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been having a lot of trouble getting a fraud alert removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My name is XXXX XXXX, My PayPal account ( paypal email = XXXX ) got permanently closed for no reason and my business fund ( {$1500.00} ) is stuck in there. 

I have been using PayPal for the past two years without any issues, and suddenly my account got permanently closed on XXXX XX/XX/2022, no reason was given for the account closure. 
Before the closure my account was temporarily limited on XXXX XX/XX/2022 and I was asked to upload my ID and Bank statement, which I provided, the documents got review, accepted and the limit was lifted with 24hours on XXXX XX/XX/2022. 

Then I continued receiving payment with my PayPal account, then on the XXXX of XX/XX/2022 I request to withdraw some money to my XXXX XXXX  account as I normally do, the withdrawal got delayed as am told that it needed to be reviewed, then the next day been XXXX XX/XX/2022 I received an email from PayPal that I can no longer use their service that my account is permanently closed. 

The money I withdrew last got deposited into my bank account after some days, but I still have {$1500.00} on my account which I can't use or withdraw due to the erroric closure of my account ( I believe my account was closed due to some automated error ) I try contacting them via message through the help center but I can't since the send message option is no longer available, I tried calling their helpline but I wasn't given the opportunity to speak with a customer support representative for reasons best know to them. 

My Primary paypal email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

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 2022-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

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 2022-03-23 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: TX

Complaint narrative:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
I am respectfully requesting the Credit Boroughs in accordance with The Fair Credit Reporting Act, please correct and update their records to reflect my correct information.

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 2022-03-23 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: GA

Complaint narrative:
I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with TransUnion expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is 20 increase in 11 months and despite XXXX snd XXXX removing such unautherizrd inquires transunion refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time

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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Received phone call from XXXX threatening to serve me with court papers. Advised me to call XXXX which was XXXXXXXX XXXX XXXX  who stated I had a judgement from Bank of America opened in XXXX and closed in XXXX with a balance of {$17000.00}. I called Bank of America who stated this is not their credit card number. Called XXXX XXXX XXXX  back spoke to XXXX explained this to him and he stated good luck in court and I would be served by 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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been having a lot of trouble getting a fraud alert removed from the credit bureaus.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been having a lot of trouble getting a fraud alert removed from the credit bureaus.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened an Amazon credit card with Synchrony bank. They charged me for XXXX XXXX {$14.00} a month. I paid it twice before I noticed. When I noticed the fee I called to complain, requested a refund and to close account to no avail. Today I was charged {$14.00} again. I called XXXX numbers to close account, request refund and cancel prime membership. They had me sign into account verify calls etc. Then i get an email stating that they are closing current account for fraud and sending me a new card. Amazon is committing the fraud amazon is the one charginf me fees. I dont want a new amazon card its amazon thats causing the problem. They wont stop charging me or close the account. I want Amazon and Synchrony to close the account and stop billing me for services I dont want and did not request.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
To be truthfully honest with you I have no idea whats going on what came up on my report but I was denied a job that I really needed and Ive never been denied a job before so Im just confused and Im like left in the dark. I recently moved states and have moved around things went missing or were ordered without consent. Slowly but surely life is gon na make me kill my self cuz Im sick of everything life is throwing at me. Im fed up and hopefully this isnt the last straw for me but life always seems to XXXX me over

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: LEXISNEXIS
State: GA

Complaint narrative:
I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing requested a baloon payment in XX/XX/2021 of my HELOC 2nd mortgage without any notice of this action before nor after this date. I was still in Bankruptcy during this time and I was continuing payment on the interest-only monthly payment per agreement on this HELOC. When my BK was discharged in XX/XX/2021, I found out SLS reported a late payment on the same month as a result of the baloon payment requested in XX/XX/2021. I am therefore disputing the late payment charge being reported by SLS to the credit reporting bureaus. This derogatory information should not be appearing on my credit 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