vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am submitting this complaint because TransUnion, XXXX, and XXXX have failed to address and correct inaccuracies on my credit report, even after I submitted multiple disputes. The errors remain unresolved, and no proper investigation has been conducted. 

The violations include : FCRA 623 ( a ) ( b ) : The account I disputed was not marked as " disputed '' on my credit report as required by law. 

FCRA 605 ( c ) : The reported date of last activity is incorrect and should accurately reflect the last payment date. 

FDCPA 809 ( b ) : The company has failed to validate the collection account, despite my repeated requests for verification. 

I request the CFPB to investigate these issues and ensure the credit bureaus take corrective action to fix the inaccuracies, mark the account as disputed, and validate the debt in compliance with the law.

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 2025-01-14 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: TX

Complaint narrative:
I am submitting this complaint because XXXX, XXXX, and Experian have failed to address and correct inaccuracies on my credit report, even after I submitted multiple disputes. The errors remain unresolved, and no proper investigation has been conducted. 

The violations include : FCRA 623 ( a ) ( b ) : The account I disputed was not marked as " disputed '' on my credit report as required by law.

FCRA 605 ( c ) : The reported date of last activity is incorrect and should accurately reflect the last payment date.

FDCPA 809 ( b ) : The company has failed to validate the collection account, despite my repeated requests for verification. 

I request the CFPB to investigate these issues and ensure the credit bureaus take corrective action to fix the inaccuracies, mark the account as disputed, and validate the debt in compliance with the law.

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 2025-01-14 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-01-14 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Balance information is incorrect on the credit reporting. Navient still owns the loan serviced by XXXX. The credit reporting agencies are reporting a balance of over $ XXXX. This is incorrect. The loan has been paid off as per transfer to XXXX and by the Dept of Education. Balance is {$0.00} and account is closed. See XXXX account information attached. See all three CRAs account data attached. 

XXXX and XXXX are still showing a {$79000.00} balance where XXXX is showing a {$0.00} balance. The date of Closure between all three CRAs is not the same either. 

Navient continues to hurt my credit report and continues to ensure servicemembers are not cared for in their business practices as identified in the CFPB court case.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-14 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data and Contact Management Solutions, LLC
State: KS

Complaint narrative:
I work in a call center during the hours that the collection agency is open. Because I deal with Personal Health Information, I am unable to have a cell phone or make outbound calls at work. 
My wife called to give the collection agency information about this account, she explained the situation. 
The collection agency refused to take the information and insisted that I be the one to call. 
My wife did not ask for any information- she explained that she was just giving information. They still refused. 
My wife did not raise her voice or say anything rude, she just explained that she would document the refusal. 
The collection agency hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
XXXX XXXX is not mine has appeared on my credit file this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
High sales practices for this vehicle. I do not remember the features of this loan. In my right mind, I would not have agreed to the number of months, interest rates, cost of loan, and monthly rates. Also, this is a vehicle I would not have purchased due to insurance rates, plus gas mileage due to fixed income and budget. I called/carried the car back to return it the next day or so but was told there was no return policy. The salesman and I were to meet up with the general manager but could never everyone at the same place or time. The Salemans took some time off during this process. I have attempted to get a refinance with better rates, shorter terms, and great savings overall, but the amount owed is twice as much as the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed the complaint already on XX/XX/XXXX on your website for the crazy horrible experience on chase mortgage. On XXXX, a Chase person called XXXX called me by leaving a voice message saying she would investigate and get back to me. I called back and tell the person who answered the phone that I could be reached by text msg or email. After being tortured by Chase for 4 months by wasting me so much time, energy and anger, I thought finally someone would help to solve the problem. However, it had been 7 days and nobody ever contacted me again. 

It is a very simple thing. Why does it take so long and nobody responded to me? When I filed a complaint here on other mortgage company, they would be very respectful and responded fast to solve the problem for me asap no matter how nasty they were before my complaint. Chase is a horrible horrible outlier. I have no idea what is wrong with this company. 

Again, the original complaint is : I wanted to remove PMI on the morgage since my XX/XX/XXXX. Chase insisted to send me a physical mail with a form to let me sign in order to allow them to do a house value appraisal before removing the PMI. I had paid for the appraisal over the phone but they still required me to sign the form to agree on doing this appraisal. However, THEY NEVER SENT ME the letter till now!!!! First time, I found they used the wrong address by missing my apartment No. The women promised me she corrected the address to send it the letter again. However, I still did not receive it. I had to call again and found out again they sent out the letter without my apartment No. I asked them to send the letter again. After their second failure on sending the letter, I also tried to get their email with the form, but their passwords for the file was always wrong!!! How terrible is their technolgoy in such a big company? Till now, I never received the letter!!!!! I HAVE BEEN PAYING PMI EVERY MONTH and NO HOPE TO END because of their incompetent and delay!!!! It is insane and unfair! My husband was able to remove his PMI with Chase without signing such a form from a letter. Instead, he just paid for the appraisal money over the phone and get it done and removed PMI, but I had to go through this crazy trouble!!! I called many times for getting the mail. They never showed any apology or guilt for the mistakes and delays they had made to torture me and waste my money to keep paying PMI for so many months. My loan was sold to Chase by another mortgage company. It is not my choice! This is called Monopoly and these people are nasty and heartless!!!! 

Now even after complaining here, they still don't care to work on it to solve the problem for me!!! crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I received an alert from XXXX XXXX that my TransUnion credit report received a hard inquiry from XXXX XXXX, XXXX XXXX. I did not apply for a credit card, and this inquiry was initiated fraudulently. The hard inquiry was blocked because my credit is frozen, but I wanted to report nonetheless. Moreover, I received an email from XXXX XXXX, a company I have never done business with, to continue with an application for lease-to-own. This, again, was done fraudulently, because I never applied for such service.

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 2025-01-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
It is impossible to manage my funds if I feel I may be getting low with First Merchants Bank, as the institution will continue to process transactions 24 hours a day. If I check my funds in the morning and my account is showing that my balance is still positive, I feel assured that I will not go into the negative and be charged overdraft fees. However, the next morning I will check my accounts again and I will be negative and have several overdraft fees totaling XXXX XXXX XXXX, showing a bunch of transactions processed the day before that were not showing on my account when I checked the previous morning. Through my own investigation by checking my account at various times throughout the day, I have found that First Merchants Bank will process transactions all day long. You have to continually monitor your account all day long to ensure you are catching transactions that were pending for a few days and finally processed in order to not have your balance taken into the negative and overdraft fees charged. I have even found transactions will be processed right before midnight on the previous business day, ensuring your account will overdraft while you are sleeping and you don't have a chance to do anything about it, and will be charged overdraft fees. I have contacted customer support on this issue before, as it has happened to me multiple times in the past couple years since my bank was bought out by and became First Merchants, and been advised that First Merchants Bank is not responsible for the way they process transactions or how it harms customers, and been advised that I should just have more money in my account to solve the problem. I have also enrolled my account into a balance alert program that will text me when my balance goes below {$1.00} in an attempt to monitor and prevent this from happening. However, I have not been receiving these text balance alerts until after the damage is already done and the fees have already been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IL

Complaint narrative:
There are unauthroized accounts on my credit report that I did not authorize. opened without my knowledge XXXX ( {$18000.00} ) XXXX XXXX  ( {$1100.00} ) XXXX ( {$5600.00} ) XXXX  ( {$11000.00} XXXX XXXX XXXX XXXX {$400.00} )

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