vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and found inaccuracies regarding an account with XXXX XXXX ( Account # XXXX ). Specifically, the Date Closed listed for this account is incorrect. Additionally, I do not recall opening or authorizing this account, and no verifiable proof has been provided to confirm its validity. 

I contacted the creditor directly to request verification of this account, including any signed agreements or contracts, but I have not received any such documentation. Because the information remains unverified, this account is negatively affecting my credit report and ability to obtain credit. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to ensure that the information reported is accurate and verifiable. Since this account has not been positively verified, I am requesting its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of Identity theft. I sent XXXX, XXXX and Transunion a copy of my Police report & FTC report, and they started a dispute removed accounts, but didn't remove XXXX XXXX XXXX. After the dispute was finished they reinserted accounts was was removed and refocused to remove the Accounts. Here are the account the refused to remove and reinserted on my credit report after the dispute. 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} this is also the address they refused to remove from my credit report that is fraud. 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I noticed that there was another loan on my account I didnt recognize, and it was from a College I wasnt familiar with. And that I never communicated with or ever did a parent plus loan with. So I was confused about why this loan was on my account. 

I reached out to the College and my loan servicer Nelnet, and I reached out to the Department of Education. 

Expressing my concern, and trying to find out how this loan came about. After being consistent in calling the College, and speaking to multiple people, I found out my MPN # was used and attached to a loan I never requested nor approved or received. 
The College had used my credentials without my permission, or knowledge. 
I never consented to a parent plus loan for myself or a student at XXXX XXXX, and the paperwork they sent me shows a loan request with incorrect information for myself address, a forged signature, and a fraudulent email that was used for communication. I advised my loan servicer, Nelnet and the Department of Education, and got push back on it. They were not supportive at all, and actually was accusing me of this act themselves. 
I have been mistreated, treated unfairly, and unjustly. All my identity theft and mis usage of my Promissory note, and Forged signature, as well as Violating my rights with the student federal guidelines. All of this has been disregarded by my loan servicer as not being relevant, because my MPN # matched, And it matched because it was taken from a Promissory note I previously had on file with Student aid from XXXX. Not because I provided this information to the College voluntarily. I never gave XXXX XXXX permission to distribute a loan to anyone using my credentials and Master Promissory note. I disputed this with the credit bureaus and Dept of Education ( Nelnet ) keeps verifying this Fraudulent student loan is accurate. Although they are fully aware that all my credentials didnt match. 
And the loan was never sent in my name, to me and was never sent to a bank account in my name. They are not assisting me with the violation of the School, but in turn is agreeing with with fraudulent loan and allowing the School to use my information without any repercussions or requesting them to take accountability for distributing a loan without using the proper guidelines. 


I AM BEING DISCRIMINATED AGAINST, and because of their statements made in multiple emails. They are also providing Defamation of my Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Range View Management LLC
State: MO

Complaint narrative:
I applied for a loan Consolidation with Lendvia on XX/XX/XXXX via XXXX XXXX XXXX. 

I received a call from Lendvia on XX/XX/XXXX but I missed the call. Later XX/XX/XXXX Lendvia left a message and called back. The lady and I discussed the loan. She offered some loans, but I disagreed with her. She referred my loan to another loan company, XXXX. I signed the loan. 

I assumed Lendvia would not call me until XX/XX/XXXX at XXXXXXXX XXXX ( XXXX  time ) I got the call from Lendvia robot on XXXX XXXX ( 5 times ) XXXX ( 3 times ) XXXX, XXXX, XX/XX/XXXX ( 3 times ) XXXX ( twice ) XXXX and XXXX. 

I called back to ask them to remove my numbers from the list 7 times, 4 or 5 times they hung up on me. other said they would remove my numbers. On XX/XX/XXXX I called back and told please remove my number and warned them I would call FCC. Still received the calls on XX/XX/XXXX ( twice ) XXXX and XXXX. Even though I blocked all different numbers, still keep calling. That was the most annoying call I ever had in my life. 

Note I am deaf. I used the XXXX XXXX XXXX, XXXX XXXX. 

I even left the negative feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE REMOVE THE SECURITY FREEZE ON MY CREDIT REPORT. SEE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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. 

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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There were unauthorized inquiries on XXXX, XXXX XXXX and Equifax. XXXX XXXX dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX dates are XX/XX/XXXX Times three on the same day. XXXX XXXX dates are XX/XX/XXXX, XXXX XXXX XXXX dates are XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There were unauthorized inquiries on Experian, XXXX XXXX and XXXX. XXXX XXXX dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX dates are XX/XX/XXXX Times three on the same day. XXXX XXXX dates are XX/XX/XXXX, XXXX XXXX XXXX dates are XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I submitted a complaint and the only response I got was a notice informing me of a insurance payment being added to my monthly payments which was what I was trying to seek help with in the beginning since the vehicle in question is not running in the shop for repairs and im unable to get it out of repair due to issues getting the warranty company to pay as advertised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I reached out to Fay Servicing to secure a loan as I struggled to pay for my home. Despite having poor credit, they recognized the equity I held in the property. However, they never inquired about my ability to repay the loan, which I believe is crucial in any lending institution. My mortgage was about {$450000.00} at the time, yet the loan they provided escalated to {$750000.00}. They labeled it a XXXX XXXX, stating that XXXX XXXX would make the 12 months of payments before my loan was due. Additionally, the imposed an exorbitant fee of {$100000.00} interest at 7.5 %, which was never explained to me along with {$49000.00} impound/escrow fee intended to pay my XXXX and XXXX taxes that were not paid. The lack of transparency is concerning, and they failed to explain it. They were more interested in my equity and not my ability to pay. As of XX/XX/XXXX, I am now in default. I have been trying to call them, and they said they could give me another XXXX XXXX for {$9000.00}, which is ridiculous as I do not have that. I am looking at a foreclosure any day now, and I am forced to put it up for sale asap. In XX/XX/XXXX, they told me they could no longer help me with a new loan as my credit was bad. They also said they will help me with my credit so I can again apply for a new loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My husbands XXXX account was breached on XX/XX/XXXX and my credit card that was listed on his account was used to make several purchases on XXXX for a total charge of {$3000.00}. We were told on XX/XX/XXXX by XXXX that someone made these purchases and they advised us to call our credit card immediately which I did same day. The bank canceled my card ending in XXXX and issued me a new card. A few days after that I received some XXXX boxes to my home and I called XXXX immediately they told me to keep them and they would send a return slip I have been on the phone with XXXX and bank for more than XXXX times since this incident no one is doing anything. XXXX said they can not generate a return slip because they marked it as fraud and the bank says they can not credit me because the product are in my house. I did not order these items and I dont have a means to generate a return for them so I am being charged and it is going to ruin my credit since these charges are due on my new card issued by the bank. 
I would want XXXX to take back their stuff and credit my account. I have no idea what was ordered they have not been able to itemize what are in the boxes to me they keep telling me they can not do anything because it is marked as fraud on their end. 
Thank for your time because it is a long and confusing explanation. I am so frustrated because I have been dealing with this since XXXX and I am not getting any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXXCHASE BANK CLOSED MY ACCOUNT AFTER I DEPOSITED MY TAX REFUND CHECK AND KEEP TELLING ME I NEED A TAX Approve LETTER IN ORDER TO GET MY FUNDS BACK BUT THE IRS TOLD NO SUCH THING EXISTS AND THE IRS TOLD ME WHY IS CHASE EVEN HOLDING MY MONEY EVERYTHING IS VERIFIED IT WAS A DEPARTMENT OF TREASURE CHECK BUT AS TODAY XX/XX/year> I STILL HAVENT RECEIVED A UPDATE OR MY FUNDS BACK AMOUNT is around XXXX $ that was left in my account and chase is holding my funds FOR NO REASON PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief