vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 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: FL

Complaint narrative:
On XX/XX/2023 I complained to the CFPB about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to Equifax and XXXX. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous CFPB complaint XXXX. The data furnisher stated that the investigation has been completed with the results stating First payment was never received. I was not contacted upon this investigation of the fraudulent account with XXXX XXXX  XXXX.How does the data furnisher complete the investigation without contacting the consumer to get an accurate statement? Also, how can I make a payment to an account that was applied and used fraudulently? Once again my FTC report is attached to this complaint and a screenshot of the results sent to Equifax of data furnishers statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Have been in contact with Mohela for months on updating correct payments on XXXX. They continue to tell me it will be updated in XXXX business days each time. I have been calling on this since XX/XX/2022, its has been 10 months now with incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt was not mines and was a billing error 15 US code 1666B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: CA

Complaint narrative:
I am writing again this complaint to TRANSUNION I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-09-22 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: MD

Complaint narrative:
I have contacted TransUnion previously about the alleged debt showing on my consumer file from XXXX XXXX XXXX XXXX for {$29000.00}. This amount is reporting as a debt and not income. According to FCRA income is not suppose to be reported on my consumer file. I'm enclosing a copy of a letter from XXXX XXXX XXXX XXXX providing proof that a 1099 C was filed and therefore this amount needs to be removed from my consumer file immediately.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-22 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: FL

Complaint narrative:
I found inquiries that dont belong to 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 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I require a pdf copy of my original fully executed note, deed, and final closing disclosure. XXXX & Flagstar have not provided this 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 explanation
Consumer complaint received 2023-09-22 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

RE: REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION

DEAR GM FINANCIAL, 

I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO TWO LATE PAYMENTS REPORTED ON XXXX XXXX AND XXXX XXXX  FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX.

I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT (FCRA), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.

GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING:

1.REMOVAL OF THE INACCURATE LATE PAYMENTS: I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENT ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.

2. ARBITRATION AGREEMENT: WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.

I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.

I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.

I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE.

SINCERELY, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted Chase to ask if I could transfer XXXX reward points from my Chase Sapphire Card to my Chase Marriott card and close my Sapphire Card. Chase account rep said it would not be a problem. Two days later, the transfer was not completed and the points were returned to my closed account. I was not notified by Chase that the transfer did not go through and I didn't catch this until XX/XX/XXXX. I contacted Chase and they said I had 30 days to use my points on a closed account. I explained that I closed the account based on the advice of the Chase account rep and would never have closed the account with XXXX points. I spoke with XXXX in XXXX. I then followed up with XXXX in XXXX on XX/XX/XXXX, XXXX and XXXX on XXXX, XXXX on XX/XX/XXXX, and finally XXXX on XX/XX/XXXX. Everyone was extremely nice and everyone said they would handle it because it was obviously a Chase mistake. The follow up from each phone call was sporadic and extremely slow. XXXX was the only one that actually said she would call me with a response and she did. I then forwarded my concerns to Chase Executive in XXXX and was turned down by XXXX due to my request being over 180 days old. I explained I have been dealing with their customer service for well over 180 days. I then filed a complaint with the Better Business Bureau and spoke with two more Chase Executive employees in XXXX. Both said they could not do anything due to it being over 180 days. 

Bottom line, I closed my account solely based on the advice from the original Chase representative. Chase did not fulfill their commitment and I was not notified of their failure. When I contacted Chase about this problem, I was then misled by 5 employees, over a 6 month period, that felt Chase would be able to correct their mistake.

Mistakes happen. In my eyes, this appeared to be such an easy fix for Chase that would not cost them a dime to correct and regain a loyal 20 plus year customer. Boy was I wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  I do not want to have this erroneous information in my report. It is an abuse that I am having bad credit because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
I received a call from someone who identified herself as XXXX from Capio Partners ( my best attempt at spelling the name ). She said that she represented a collection agency. The creditor was XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) and the date of service was XX/XX/. She said that we owed {$1100.00}. We checked with both the health insurance company and XXXX XXXXXXXX XXXX XXXX The insurance paid the claim and the XXXX XXXX XXXX said that the bill was paid in full. The dollar figure given by the caller did not match any combination of the bill or insurance payment figures. 

XXXX gave me a call back number of XXXX. She also gave me a patient advocate number of XXXX. The number she gave me for XXXX XXXX XXXX was XXXX. I independently checked the number for the alleged creditor. It was not the same. XXXX gave me a client reference number XXXX. She said that the account had not been reported to the credit companies. 

I did not indicate to XXXX that I would make any payments. There was recently a data breach at XXXX XXXX, where the procedure occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: IL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. These accounts have no monthly historical data. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inquiries that dont belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX  Wells Fargo contacted me by phone informing me that my debit card has been closed, a phone contact in Wells Fargo they informed me that they could not give me a reason why the debit card had been closed so I can no longer use my debit card with Wells Fargo and I no longer have a bank account with Wells Fargo, Wells Fargo customer service to appeal this decision Wells Fargo refuses to answer any of my questions or concerns Regarding why the bank shut my debit card usage down and my account usage was closed resulting and me having no access to my money in the bank

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CFPB, Chex Systems is governed by the Fair Credit Reporting Act ( FCRA ). 

I do not have access to my file as the law permits. 

Please see attached for what happens every time I try and login. 

I have filed numerous CFPB complaints to no avail. 

Chex Systems tells me to call in. 

I called in 3 times this week. 

I asked to speak to US representatives. 

I spent no less than 2 HOURS on the phone on hold - as well as speaking to representatives this list. 

Tuesday, Thursday, and Friday. 

No one has resolved the issue. 

By law I need to have access to my online Chex Systems account- and they need to fix this. 

To this complaint- I will attach the picture I see when I try and login, my full contact details, as well as a past Chex Systems report to verify my identity.

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 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
In late XXXX I cancelled an insurance policy with XXXX XXXX and purchased a policy from XXXX that more fit my needs. At some point later I became aware that a collection had been filed from XXXX with Credit Collection Services. I contacted XXXX to discuss the {$140.00} that CCS claimed was owed. XXXX customer service representative informed me that it was a mistake and that XXXX owed to me a balance of {$92.00}. They sent a check to me for {$92.00} and at that point I believed that the matter had been resolved. I was wrong. CCS continued to hold my account in delinquency. I have uploaded to CCS website a statement from XXXX dated XX/XX/XXXX showing that there is {$0.00} balance due. This did not resolve the issue. I again contacted XXXX on XX/XX/XXXX and had a three-way phone call between myself, XXXX agent XXXX XXXX XXXX and an agent from CCS. XXXX went through the procedure to electronically clear the collection as instructed by CCS agent. I waited thirty days and then called CCS on XX/XX/XXXX to verify that my record had been cleared. I was first told by CCS agent that XXXX XXXX did not have the authority to clear the record. I then asked to speak with a CCS supervisor, XXXX XXXX. XXXX XXXX claimed there is no record of our three-way phone call on XX/XX/XXXX or any record of the order put through by XXXX XXXX XXXX XXXX had sent an email to me outlining the electronic order. I uploaded a copy to CCS website on XX/XX/XXXX. 
This collection has decreased my XXXX score by XXXX points. I do not know if this attack on my reputation is by mistake or is malicious. Due to the refusal to correct this abuse, I suspect the latter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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