vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-01 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: FL

Complaint narrative:
Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. I would like these inquiries deleted from my file : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect {$XXXX} from XXXX of my accounts... 

I have been really sick for about a year and lost my income. I am not sure what to do?

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I made a settlement with XXXX. XXXX XXXX in XXXX after disputing the charges from XXXX and the account was closed. I then received a letter in XX/XX/XXXX from Jefferson Capital.to collect the same debt for XXXX  from XXXX for more than double what the initial debt was to them. If I made a settlement for the debt why does Jefferson now have it for double? I called telling them I wanted to dispute because I settled this already & instead of disputing put the debt on my credit report that I would like to have removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: Viva Finance Inc.
State: GA

Complaint narrative:
VIVA FINANCE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information VIVA FINANCE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy VIVA FINANCE did not clearly and conspicuously provide the disclosure forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
I have accounts on my credit report which I would like removed because they do not accurately portray my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
I have accounts on my credit report which I would like removed because they do not accurately portray my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE HARD INQUIRIES WERE NOT AUTHORIZED AND I WOULD LIKE THEM REMOVED FROM ALL THREE BUREAUS IMMEDIATELY. 

XXXXXXXX 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 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

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 2024-04-01 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: Experian Information Solutions 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. 

has violated my rights. Or a 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 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 2024-04-01 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: NV

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
I used Chase Sepphire Preferred card as they provide insurance for trip cancelations. My flight got canceled due to weather. When I filed the claim they refuse to refund my partial ticket even though my flight was canceled due to weather. I provided all the proofs including the new ticket I had to buy to get back home but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My concerns regarding Wells Fargo checking and saving account. I have been banking with the bank for over 30 years. In XXXX  I sold my home, social security and a lawsuit that took my total {$170000.00}. During this time, I was dealing with a rare XXXX  XXXX. I recently received Fargo sent a letter regarding products submitted to my account without my permission. My first check was XXXX for products that were taken from my account. I soon received a second a letter regarding another product sells. I went to the Bank in XXXX CA and the banker open my compliant. I wanted my account reviewed, but no one would help me with my questions. The amount owed to me has changed from {$2300.00} to XXXX. I not received the check, but my case have been closed. My case manager has not returned my calls, My Case Manager XXXX XXXX ( 7 times ). I have not received any detailed paperwork after requesting an audit on my account. Reference # XXXX Please assist me with this matter. There is a least about 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 2024-04-01 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
NAVIENT STUDENT LOAN SERVICING ( BREACH OF PRIVACY ) ACCOUNTS XXXX, XXXX, XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information NAVIENT STUDENT LOAN has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy NAVIENT STUDENT LOAN did not clearly and conspicuously provide the disclosure forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: DE

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: MO

Complaint narrative:
According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked Trans Union XXXX XXXX, and XXXX to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.

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 2024-04-01 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: MO

Complaint narrative:
According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked XXXX XXXX XXXX Equifax, and XXXX to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have reached out multiple times to start the process to sell my home. I am selling to another XXXX XXXX service member with his own VA entitlement. I emailed the assumption department on XX/XX/XXXX at XXXX. I followed this up with another email on XX/XX/XXXX at XXXX. I am unable to reach anyone via phone and have only been able to successfully utilize the chat feature once. It is my suspicion Mr. Cooper is treating this as an administrative clerical matter rather than an actual application. I would like to maintain the deadlines as outlined in VA Circular XXXX dated XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/XXXX : I got a notification that there was fraud reported on my checking and savings accounts and Chase would be closing and or restricting my accounts, I called Chase to see why they closed and restricted my account, there response was that it was the banks decision & gave no explination of why they closed the account. 

XX/XX/XXXX : I call Chase bank about when I can expect the cashiers checks to be sent, and I am told that they would be sent on XX/XX/XXXX XX/XX/XXXX : I return home from my trip to find one cashiers check for {$130.00} which was the amount in my checking account at the time that my account was closed XX/XX/XXXX : I called the bank to follow up on the status of the second check for the balance that was in my savings account which is {$510.00} and I am told that it would arrive in about a weeks time I call the bank a few times during these 2 weeks and I am told that the funds are being Investigated by the asset recovery team. 

XX/XX/XXXX : I return home for the weekend, and my father and I call Chase bank to follow up on the status of the funds, and we are told that they are still under investigation by the asset recovery department

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I had XXXX fradulent charges on my XXXX credit card ( managed Wells fargo ) for {$380.00} on XX/XX/year>. While these charges were still pending I called XXXX and notified them. They close the card and I filed for fraudulent charges. 

They rejected the claim stating that this was from XXXX, a company that I have auto pay monthly for my phone bills and since I regularly work with them, it can't be fradulent. 

I appealed, I included a statement ( via online chat with XXXX XXXX customer service that they did not request these payments ) and a police report ( incident # XXXX from XXXX police dept. ) And they still rejected my appeal twice over. 

After the first rejection, they refunded 1 payment but expect me to pay for the other charge. After appealing 3 times and getting rejections, I seriously find their decision making very poor and come to you to file a complaint and hopefully force them to take proper action with my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a complaint against XXXX XXXX  regarding their handling of XXXX credit accounts listed on my credit reportone from XXXX and the other from XXXX. Despite multiple requests for proof of these accounts, XXXX XXXX  has failed to provide satisfactory documentation. 

On XX/XX/2024, I contacted XXXX XXXX  to request proof of the XXXX and XXXX credit accounts listed on my credit report. Initially, a representative informed me that I needed to make a payment before they could provide me with the requested information. However, upon further inquiry, the same representative stated that they did not have the documentation available. 

This failure to provide proof of the accounts is concerning and raises questions about the accuracy and validity of the information being reported on my credit report. As a consumer, I have the right to verify the accuracy of the information being reported and to request proof of any accounts listed. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX  for their failure to comply with federal laws governing credit reporting and consumer rights. Specifically, I ask that XXXX XXXX  be required to provide the requested documentation for the XXXX and XXXX credit accounts or, alternatively, remove the accounts from my credit report. 

I have attached copies of my credit report showing the disputed accounts. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.

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