vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: CA

Complaint narrative:
Back in XXXX of 2021, I submitted a dispute to Experian regarding an account that is reporting inaccurately on my credit report. It is an XXXX account that is in charge-off status and does not belong to me. I asked that Experian delete the account and send written confirmation of the deletion of this account, because it is fraudulent. Experian claimed to have " verified this information '', but gave no written response or details of this verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: CO

Complaint narrative:
XXXX XXXX XXXX  Account illegally sold the debt to XXXX XXXX XXXX. in accordance with Colorado Law SB 20-211 and the Fair Credit Reporting Act ( FCRA ). 

Colorado passed a law ( SB 20-211 ) prohibiting judgment creditors from initiating new " extraordinary '' collection actions, unless specific legal requirements were met. Under this law, before taking any action in the nature of a garnishment, attachment, levy, or execution to collect or enforce a judgment on a debt as defined under the Colorado Fair Debt Collection Practices Act, the creditor has to notify the debtor about, and provide the debtor with, a garnishment and collection suspension, if requested. 
As permitted by SB 20-211, the Administrator of the XXXX XXXX XXXX XXXX extended the right to get a garnishment and collection moratorium through XX/XX/2021. 


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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

1.XXXX  XXXX 2.XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
This charge is part of a medical charge that was supposed to be paid by medical insurance I called medical insurance and there is no report of the company claiming. Please take this off my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I actually didnt submit a dispute I submitted an inquiry asking in writing where the credit bureaus gets their information. I specifically told them I was not disputing the bankruptcy. They still proceeded to process it as a bankruptcy. I asked them to respond to my letter and writing and the supervisor XXXX told me they couldnt and wouldnt respond to my letter in writing and could only do it verbally. Which I know as a consumer I know I have a right to know where the information that was on my report came from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
I have repeatedly ( over three times ) asked for an accounting of how the new escrow charges assessed by the company ( HomePoint ) were calculated because they did not match the actual taxes and insurance amounts that are readily knowable ( even with a cushion ). As a result, I repeatedly asked the company to cease collecting insurance and tax amounts via escrow, and we will make payments to the insurance company and the taxing authorities ourselves. After repeatedly ignored emails, I warned them that I would complain if they did not respond. They have again failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not able to file a dispute on Experian website. I am continuously getting an error message and Ive tried to file a dispute on the website multiple times. You sent your response to me via your online system and I have a right to use this online system to dispute information on my credit report. I am not able to except use my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: SC

Complaint narrative:
We were going through a home modification trail period with XXXX. We had made 4 payments when XXXX sold/transferred our loan to Fay Servicing XXXX We called them to find out how to send a payment and the Fay said they had to receive the modification from XXXX so not to make a payment at that time. The next month comes and they ( Fay Servicing ) send us out a hardship package. Then they denied us. Fay Servicing will not honor our loan modification we had arranged with XXXX and now they want to foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
ESCI Heartland, my student loan creditor has posted to all XXXX credit bureaus that I was 30 days past due, and that is not the case. I have all of my payment receipts, even their website shows all of the payments I have made. Their firm has misapplied the payment, and this is not something that I should be penalized for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 16 U.S.C 1681 section 602 A. states I have the right to privacy. 

These addresses do not belong on my credit report. 

Four addresses do not belong on my credit report.

One social security number does not belong on my credit report.

My name is spelled incorrectly 5 different ways on the credit report but should only be spelled one way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid 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: LA

Complaint narrative:
Chase said I benefitted from purchases I didn't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IA

Complaint narrative:
I bank with USBank. On XX/XX/XXXX, I fell for a XXXX scam. I received the usual fraud text from usbank and missed calls from the usbank XXXX number. I did answer and they were very professional and identified themselves as usbank and I had no reason to not believe them since they were calling from usbank. They had me verify the last 4 of my ssn and dob- just like usbank and told me they would help reverse the fraud charge. They sent me a code to put into the XXXX app through the usbank app which was actually a phone number, and I inadvertently sent XXXX to a scammer. I immediately filed a dispute and that was denied on XX/XX/XXXX. I called again and reopened the dispute on XX/XX/XXXX, only to have it denied again on XXXX. On XXXX, I opened the XXXX app to look at that transaction. Usbank immediately locked my online account and shut off any access and closed my debit card. XXXX with the efraud dept called me and spoke horribly to meshe kept asking me what I was trying to do in the app and asking why I would send more money to a number that they had flagged as fraud. I finally asked her if she thought I was part of the scam and her answer was I dont know what you do with your life. She told me to drive to my nearest branch ( 45 min away ) and have them call her. She then proceeded to speak horribly about me to the banker that was working. They escalated to the local branch manager. She called me and assured me a return call that day. She didnt return my call until the next Wednesdayall while my account was blocked. Her name is XXXX XXXX in XXXX XXXX, IA. When I finally spoke to her she said the only way for me to gain access to my banking would be for me to close that account and open a new account. But I have several bill pay items that go out each Friday and they say there is no way to stop them from going out. The only option is to close my account and acquire the fees from the many companies that my payments go to. So not only am I out the original {$940.00}, countless hours on the phone, a 45 min drive to a branch, now I will be out the many fees from sending out bill pays on a closed account. Not to mention the way I was treated by usbank from the start of the scam. I was never treated like the victim that I am, but in turn treated as the scammer. Its very frustrating to not be the one doing something wrong, yet being punished for it. Usbank knows the financial institution that the money was sent to. I know the phone number that it was sent to and a first name of the person. The phone number is still currently working. Yet nothing is being done to pursue anything against this person and/or persons. Please help me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2021, I purchased 2 XXXX  XXXX Consoles through XXXX  ( order # XXXX ) for a total of {$1100.00} - payment method was my Chase credit card on file with XXXX XXXX 
It wasnt until the delivery that we discovered the consoles were restored and not new as shown on XXXX. We immediately requested return authorization that we received from XXXX along with a shipping label. Per XXXX shipping instructions, we affixed their label that had the items being returned to XXXX, KY via XXXX ground ( tracking # XXXX ) - shipped back on XX/XX/2021. 
I received a message from XXXX on XX/XX/2021 that the items had been received. Ive been trying to get my money back ever since. 
I have close to 50 pages documenting conversations with both my credit card company and XXXX trying to resolve this matter and they both keep pointing fingers at each other while Im left still paying on this bill so my credit isnt affected. 
I filed a dispute with Chase who did no investigation even after I sent them the XXXX return slip. XXXX is now telling me that the seller never received the items back and will therefore not reimburse the purchase price. I bought and returned the items through XXXX per their written instructions. The fact that they didnt process the return to the seller is not my problem. 
I have been on the phone every few days with both XXXX and Chase since XX/XX/2021 and have been unable to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: FL

Complaint narrative:
I disputed derogatory reporting on my credit reports by Federal Loan Servicing on XX/XX/XXXX. My dispute shows proof that I was never XXXX, XXXX or 180 days late on my student loans from XXXX. During that time, I was a graduate student at University of XXXX. I also had a One-year Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father who was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that Federal Loan Servicing continued to show me late. In each loan, Federal Loan Servicing shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from Federal Loan Servicing and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: MI

Complaint narrative:
MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. 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 XXXXXXXX XXXX XXXX SXXXX XXXX XXXX XXXX THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TXXXX GET CARS, AND GOODS IN MY NAME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
XXXX helped me get a lump sum payment. For the amount of {$300.00}. This payment would settle this debt. This a paid in full payment.

Company response to consumer: Closed with explanation