vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: GA

Complaint narrative:
Experian is refusing to investigate my dispute claim and using stall tactics which is not fair or equitable to me. I submitted in writing a dispute, included in the dispute i submitted my identification and the accounts that needed to be reinvestigated due to being inaccurate. This is nothing more than a stall tactic and an attempt to further destroy my financial reputation. Not only is this an attempt to break the law and take more than 30 days but this is a flat out dishonest attempt to no investigate at all. 
I am in receipt of a letter from your agency stating that they need additional information on my address before they can correct the inaccurate information on my report. I have already sent you verifying information in my last letter, which lists my address ( same as above ) from my Drivers License as well as a copy of my Social Security Card. Once again, I will send you the following documents : Drivers License, Social Security Card, Military Government Issued ID, and even a copy of the letter you recently sent to me. Please correct or list the address on your records with the one which appears on my Drivers License and above. 

I have enclosed a copy of my original request for your review. In my opinion, this is nothing short of a stale tactic on your part to circumvent the due processing of the law in accordance with 15 U.S.C. Sec. 1681i ( a ).

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 2023-03-02 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: FL

Complaint narrative:
My legal name is XXXX XXXX XXXX I believe my personal information was hacked/stolen and need to remove an alias on my credit reports from XXXX and Transunion. The alias is written as XXXX XXXX XXXX. I have never been known by this name in any way, shape, or form. I request that the name be removed from both credit reports on the mentioned 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 2023-03-02 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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 explanation
Consumer complaint received 2023-03-02 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late

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 2023-03-02 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
This letter is in response to your recent claim that ( XXXX XXXX XXXX XXXX ) has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX XXXX XXXX XXXX ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at ( XXXX XXXX XXXX XXXX ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX XXXX XXXX XXXX ), bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.

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 2023-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was chase private client customer, I was getting free safety deposit box, chase downgraded my account to premium checking back in XXXX XXXX, I was not charged any fees for safety deposit box till now, Chase is saying that they sent me letter back in XX/XX/XXXX about charges, I never received that letter, now they charged me unauthorized fees for locker and when I am telling them that please close locker and refund my fees, they are saying even if you close locker your fees will not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I took out a loan with Wells Fargo around XX/XX/XXXX. 
I missed a few mortgage payment. 
Sometime around XX/XX/XXXX Wells fargo started Foreclosure proceeding against my home. 
I paid approximately {$65000.00} into the loan that was originally {$200000.00}. 
The majority of the {$65000.00} paid into the loan went to fees and Penalties.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email saying that my phone number had been updated on my Capital One account. I forwarded the email to their Fraud department in accordance with their website. 

A few days later, I received a Capital One credit card in the mail which I did not apply for in any way. I called Capital One and told them the situation and asked that they immediately close the account. 

They finally agreed to close the account, but refused to tell me if any charges had been made so far. My fear was that the card info was being used for online purchases. Anyway, I don't know if charges have been made before I contacted them, or if I was sent this card as a deceptive practice performed by Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: IL

Complaint narrative:
To Whom It May Concern : Our home was purchased in XX/XX/XXXX, and we had the income at the time to support the mortgage. 
In XX/XX/XXXX, at the start of the pandemic, wife 's job was on furlough due to government shutdown. She was out of work for a period and requested a loan modification from our mortgage company, Land Home so that our credit score would not be affected. We were unsuccessful in speaking with associates from the mortgage company to begin the loan modification process and discuss the negatives on our credit report during the pandemic. We reached out to legal advocates to assist us in our loan modification request and credit score appeal since we were unable to establish this with our mortgage company. As the process was being worked by the legal advocates team, we were told not to pay the mortgage during this process. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We are not avoiding our responsibilities and are quite embarrassed that we are in this current financial struggle. She has completed all treatments and surgeries as of XX/XX/XXXX, and we are eager to begin paying on our mortgage as we were doing prior to the pandemic and health issues. My husband and I have returned to working full time and are able to make our monthly mortgage obligations as set forth in our loan documents and per FHA requirements. We are writing to explain what caused our financial hardship and when it began so we can move forward. We love our home and want to retain it. We know that we all want to avoid the foreclosure process and have attached our most recent check stubs and bank statements to verify funds. We look forward to reaching a fair resolution to all issues discussed in this letter with you and our legal team as soon as possible. 
We appreciate your assistance and understanding of this matter, we are aware time is of the essence and we are available on demand. If you have any questions, or require any additional documents, please contact us directly or our legal team. 

Thank you,

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 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Net Credit is using an old address for my PII. 

When I created the loan request, in XXXX I used my XXXX address as I recently moved. 

My charged off account however shows the address that was on my drivers license which is XXXX 

I have contacted Net Credit requesting this address correction yet they have denied this. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This issue has become a life changing unfortunate event in our lives and we humbly request that this wrong be alleviated by reporting honest and truthful information on my credit file. Moved from Utah to Illinois at the time, and was coerced into applying for a Kohls card account to save on my purchase, against my better judgement went ahead and submitted the request and found out that the Kohls system could not process this request. 
Paid for my purchases with my personal credit card. Never received a bill from Kohls and did not expect one as I have never made a purchase using my Kohls account or Kohls card as I did not receive one. Ran my credit report and found {$1.00} in collections, which dropped my credit score significantly. Paid the {$1.00} immediately, dealing with Kohls has dropped my credit score on three different occasions for the {$1.00}. I am demanding that the amount of {$1.00} that was charged on a card be removed for late payment as I did not know that the {$1.00} was charged on my account. Spoke to customer service on several occasions and this issue is still not resolved. Please help us, as I served this county in the United States XXXX XXXX for 20 years, and the biggest set back is this false credit reporting made for {$1.00}. My wife enjoys shopping at Kohls and we do not want to put the Kohls company on our do not use list, or warn our fellow veterans to avoid Kohls as it could potentially destroy their credit report. Please help us correct this incompetent and unfair credit reporting practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The two open collections on my credit report are from a company Ive never done business with. Ive never signed any documentation with these companies nor have I ever been in contract with these companies before. These account were charged off by the original companies a few years ago, to my husband loosing employment because of COVID. I have written several cease and desist letters to Midland Credit Management and XXXX XXXX XXXX explaining this to no avail. So I am questing your assistance in this matter, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX on several occasions, stating that these vehicles in question were leased to dealerships one was to XXXX in XXXX, Massachusetts on the XXXX, where the salesman lost my entire Deal so they put me in the credit bureau. I fought with the XXXX how does an Entire Car Deal go missing? They had no response Im sorry but that was their issue my uncle co signed this all this happened cause. They called me and wanted that and I I had and was going to give me a great deal on the New XXXXi.which when I moved to Florida I wanted a smaller car so I traded my XXXX XXXX For a XXXX XXXX which I had to pay higher interest, and also was put in the credit bureau for this vehicle as well. I called and said that the vehicle was traded they came up with while it has wear and tear damage. The car was in mint condition. All my cars are sold to have to be charged more on interest and payments all because of XXXX two vehicles put me in the credit bureau unlawfully.

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 2023-03-02 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: FL

Complaint narrative:
I am interested in disputing all invalid data that is reporting to my credit report with Equifax. please delete an remove all information listed to correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: MS

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


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit ate for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$2100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$630.00} XX/XX/XXXX UNKNOWN XXXX {$180.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX  XXXX {$7500.00} 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 non-monetary relief