vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
On XXXX of this year my wife wanted to under go in XXXX but when my credit was ran to get her a good medical clinic my credit score was too low to cover anything I wonder why after my wife XXXX XXXX XXXX XXXX XXXX I investigated and went to the police they asked to gt a copy of my credit report I did and found out that two accounts caused my hardship XXXX XXXX XXXX XXXX so I requested the creditor to what they can help me both creditors told me file a dispute with the credit agencies it is today and no answer solution nothing people can be so heartless

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MA

Complaint narrative:
On XXXX of this year my wife wanted to under go in XXXX but when my credit was ran to get her a good medical clinic my credit score was too low to cover anything I wonder why after my wife XXXX XXXX XXXX XXXX XXXX  I investigated and went to the police they asked to gt a copy of my credit report I did and found out that two accounts caused my hardship XXXX XXXX XXXX XXXX so I requested the creditor to what they can help me both creditors told me file a dispute with the credit agencies it is today and no answer solution nothing people can be so heartless

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: PA

Complaint narrative:
I submitted a letter before with a wrong social security number ( please update ) I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.

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 2024-09-16 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: PA

Complaint narrative:
I submitted a letter before with a wrong social security number ( please update ) I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX XXXX # XXXX 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 of 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 2024-09-16 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: MO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX 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 of 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the 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 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This complaint is pretty much the same from my last one. 
This new company is trying to collect the same debt that I already squared away with the original creditor. Fraudulently applied for credit card in my name, from Navy Federal Credit Union. The original card was opened in XX/XX/year>. I at the time had not opened a credit card in my name. I know for a fact that I NEVER opened this account. The old company obviously just transferred the supposed debt, to a new companyXXXX XXXX I don't remember the last company, however I have gotten several calls from this new company. 
Please advise. 
Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was on a phone call ( recorded line ) with an agent and I was making all of my payments on time and with under 30 % credit utilization. My credit score kept dropping with Equifax, no matter how small my credit usage was. I didnt know why until I gave them a phone call and they stated that the reason why my score keeps dropping is because there is a collections on my account. I have never been in any contract with that debt collections company and I have demanded that it shall be taken off as there is no documentation of my contract with that debt collections company. 

Also, I would like to report EQUIFAX for violating the Fair Credit Reporting Act as they are using my old information to calculate my current credit scores. This is a violation under the FCRA and I encourage this to be investigated further as this reporting agency has been doing this to me for 3 months no matter how many payments I made on time while using a small percent of credit usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a request for the Procedures used to VERIFY the ( 2 ) accounts listed in this complaint that I disputed and submitted via CFPB # XXXX on XX/XX/year> and I received the response from Trans Union on XX/XX/year> informing me that both accounts that I disputed pertaining to 15 USC 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ) were BOTH VERIFIED.

According to 15 USC 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ) the LAW clearly states that A credit reporting agency can not furnish an account without written instructions from the consumer.

I did not give written instructions to Trans Union nor did I give anyone at anytime Consent or Permission to furnish these two accounts on my credit report XXXX ) XXXX XXXX # XXXX 
XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX reporting as a ( CLOSED ) Because both accounts were not DELETED as I demanded, I am requesting in accordance with 15 USC 1681i ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) which states I have a right to request and receive the all the information that I am now requesting within 15 Days or I can SUE Trans Union for a {$1000.00} for starters.

I am requesting in accordance with 15 USC 1681i ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) all the Procedures used that led to Both accounts listed above to be VERIFIED.

I am also requesting the names of the person ( s ) you spoke with along with their address and telephone numbers in accordance with ( 6 ) ( B ) ( iii ) as well.

I understand you have no more than 15 days to provide this information to me or these LAWS clearly state that Io can SUE Trans Union!

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 2024-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Over the past year, I had been adding funds to my XXXX account progressively, using the platform without issue. However, in XX/XX/XXXX, the merchant on the app suddenly went blank, with a message stating they were under investigation. When I attempted to withdraw my funds, totaling {$3200.00}, I was told that it wasnt possible due to the ongoing investigation. 

I contacted the merchant directly, and they informed me that there was nothing they could do until the investigation was completed. I waited patiently for four months, but there was no update or communication from the merchant. Eventually, I went back to the app to try and get more information, but I realized I couldnt even open a support ticket.

As a result, I decided to open a dispute with my bank, SoFi. I provided evidence showing that I had been scammed, detailing the time frame from XX/XX/XXXX, to XX/XX/XXXX, which is when the merchant disappeared. However, XXXX closed the dispute, claiming that there was no error in the transactions. They even said they were working with the merchant, which I know isnt true because the merchant had gone completely unresponsive.

Now, Im left unable to recover the {$3200.00} I had in the account, with no resolution from either the merchant or my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX removed my Homestead Deduction retroactively instead of giving me a Senior Citizen Tax Credit which was XXXX XXXX mistake so they sent my original mortgage co. XXXX XXXX XXXX  ( XXXX XXXX the bill for over $ XXXX -- in the middle of this they sold the mortgage to Nationstar ( aka Mr. Cooper ) I advised both companies not to pay the amount that XXXX was resolving the issue. XXXX did resolve and then XXXX took months to finally ask XXXX for the money back ( as they said I had to do it which is not true ). Finally XXXX got the money back and then took forever to send it back to Nationstar. Nationstar claimed they didn't have over a month after XXXX sent them the money via wire transfer. Even though I had the documentation from XXXX that XXXX  was resolving the issue and not to increase my escrow- Nationstar was still increasing my payment over and above what it should have been and reporting me as late to the credit bureaus. Nationstar first sent me a revised Escrow statement and refund and then refused payment on their check causing my bank balance to now be negative! Now Nationstar has taken my Escrow overpayment and instead of refunding it to me they applied it to the principal without my authorization. Also I have asked 3 times to cancel the escrow because they are playing with the numbers and they claim it takes 16 to 18 days which it has already been weeks since my first request. My loan balance is only 60 % of the home value and I have a right to cancel the escrow, further I never asked for them to take the escrow overpayment and apply it to the principal and they need to correct the late reporting. I have been asking for things to be resolved since XX/XX/ 2024! I have attached numerous documents that prove this. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: MOHELA
State: WA

Complaint narrative:
XXXX is the only one of the three credit reporting bureaus that continues to inaccurately show I have two outstanding student loans both with FedLoan Servicing : {$130000.00} and {$27000.00}. 

In XX/XX/XXXX, all of my US Dept. of Education student loans were transferred from FedLoan Servicing to XXXX. 

In XX/XX/XXXX, two of my loans ( the two at issue for {$130000.00} and {$27000.00} ) were forgiven and discharged under the Public Service Loan Forgiveness ( PSLF ) program. ( My remaining loans were forgiven shortly thereafter ( XX/XX/XXXX ) under PSLF ). 

XXXX and XXXX correctly show that all my federal student loan accounts were fully paid and closed. Yet XXXX refused to update their information, which is resulting in a lower credit score with XXXX. XXXX stated it contacted FedLoan Servicing, which confirmed that I owe those two student loans- even though FedLoan has not reported any new information since XX/XX/XXXX ( consistent with when my loans were transferred from FedLoan to XXXX )! Further, FedLoan could not have confirmed the accuracy of such loans because those loans were transferred to XXXX six months before they were forgiven. In fact, when I call FedLoan, they state they can not help me at all because I do not have any account with them. The run around is maddening. And XXXX staff are clearly not being truthful in their investigation statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent : XXXX XXXX XXXX XXXX - {$660.00} XXXX  - # XXXX XXXX {$7200.00} XXXX - # XXXX - {$8500.00} XXXX XXXX - # XXXX - {$5000.00} XXXX  - # XXXX - {$10000.00} XXXX XXXX # XXXX - {$75000.00} XXXX - # XXXX - {$770.00} XXXX  XXXX  - XXXX XXXX - {$15000.00} XXXX  - # XXXX - {$2000.00} 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 non-monetary relief
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent 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  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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My XX/XX/2024 statement total does not match the sum of all transactions in the preceding month. I do not carry balance month to month and pay my balance in full every month however the my XXXX balance shows {$42.00} total, whereas all transaction add up to {$15.00} ( {$27.00} difference ). Oddly enough my XX/XX/2024 statement was exactly {$27.00}, which was paid in full on due date as well. I contacted the company several times via online system on their website and they closed inquiry without response. When I called the Customer Service number the CSR was unable to explain where the difference came either and stated that he's " providing all the information ''. For more than a month now Chase have been unable to explain or substantiate the charge and refused to provide any assistance identifying it.

Company response to consumer: Closed with explanation