vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I have inquires hardened soft on may XXXXXXXX XXXX XXXX. my information was breached and I have those inquires coming from XXXX XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them

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 2023-12-11 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: TX

Complaint narrative:
I have inquires hardened soft on may XXXX credit report. my information was breached and I have those inquires coming from XXXX XXXX. I have called and no one was to help me I have also filed report with the. federal trade commission and have a identity report filed with them

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 2023-12-11 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-11 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: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is the third time I am provide all necessary information to Equifax and expect to receive an accurate credit report and credit score in the mail. My information was in fact breeched in their data breeching. My request is for all information which is showing on my credit report to be validated as my information. I also want proof of their methods of validation and the manner they used to gain the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: SC

Complaint narrative:
I have placed a dispute with this creditor XXXX XXXX, Transunion, and XXXX in regards to them reporting my account accurate on XX/XX/, XX/XX/, XX/XX/, XX/XX/, and XX/XX/. I have not heard a response from them regarding the requested information that I asked about. I had to call XXXX XXXX to provide me a receipt for the payment on XX/XX/. It is a must under the FRCA law that the account reports accurate information 100 %, this company failed and Transunion and XXXX failed to provide the update information. I recently applied for a home loan and this inaccurate information has effect my credit tremendously and stop me from purchasing a home. I paid XXXX XXXX on XX/XX/. It has now been over 60 days since this payment has been made. Transunion and XXXX have not been properly investigating.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I received my XX/XX/XXXX  statement with a balance of {$8100.00}, and payment due date of XX/XX/2023. I made a payment of {$8200.00} on XX/XX/2023. The {$8200.00} was to pay off the statement balance, but also an additional {$120.00} in charges/purchases acquired after the XXXX statement and before my due date. Part of the {$120.00} was an annual charge by the card for {$99.00} on XX/XX/2023. When I received my XX/XX/2023 statement, I was charged {$59.00} in interest for a balance transfer and {$100.00} in interest for purchases ... even though the card balance was at XXXX and the payment was made on time. The balance transfer was not the type that had to be paid in full or the entire interest amount for the term was charged. The rate changed from 0 % to 28.24 % after the promotion expired. My complaint is the representative at Chase ( XXXX XXXX XXXX ) stated that even though I paid the card off in full and on time, I was charged interest for the days of the statement closing XX/XX/2023 to the payment due date of XX/XX/2023. I am not sure how you can continue to charge interest on a card, but provide a due date. If you charged interest the month before, and you state you have until a certain date to make a payment, how can they continue to charge interest when that is the timeframe they allowed to make a payment? Again, I not only paid the statement balance, but also paid the balance acquired after the statement cut off of XX/XX/2023. She further stated that I have to make two full payments in a row before the accrual of interest will stop. She stated for the balance transfer amount on my card of {$59.00}, I would be charged interest ( which this is the amount charged for interest for XX/XX/2023 statement ) ... so now I am paying interest on interest, even when the card balance was brought down to XXXX. With the CFPB trying to crack down on junk fees or unfair/deceptive charges by credit card companies, I would think this falls in line since they give you a date to make a payment but still continue to charge interest. Also, they are now charging interest on interest when a card balance was brought to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Essentially we were victims of Wells Fargo 's widespread mismanagement of home loan modification applications during the period XXXX. Our home was financed by Wells Fargo and when the housing market crashed, we requested a home loan modification from Wells Fargo. 
Intially we received a letter from Wells Fargo stating we were approved. They placed us on a trial payment period which we successfully completed and were then placed on a new modified payment plan. After approximately 2 months of the new modified loan payment, we suddenly started receiving letters that we were in default. We called and wrote numerous letters to Wells Fargo and were finally told that our first medication had been voided and since our home was owned by a group of investors, we were no longer eligible for a loan modification. We attended all of the homeownership workshops sponsored by Wells Fargo including one held at the XXXX XXXX in XXXX, but nothing we did stopped Wells Fargo from pushing us toward foreclosure. 
Eventually, we hired an attorney and filed for bankruptcy to stop the foreclosure process. 
Based on our treatment of the financial stress and the mismanagement of our home loan modification caused by Wells Fargo, we believe we should have included in the settlement.

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 2023-12-11 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: Nelnet, Inc.
State: SC

Complaint narrative:
Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
LVNV, LLC sent me a notice of debt collection awhile back to the tune of maybe {$1200.00}. I didn't keep it because the debt wasn't real and I assumed it was just a fraud attempt. Thursday last week I was notified of a civil writ in XXXX XXXX, Nebraska against XXXX XXXX, XXXX at my address over the debt. I notified the county official via text that I'm XXXX XXXX, but not XXXX, and I haven't heard anything back from the county. I did however, get two letters from lawyers saying that the suit was from LVNV. From what I can tell, they screwed up the address, made no attempt to verify, and then jumped to a lawsuit. So the actual person being sued hasn't gotten any notice ( by mail, at least ). I'm just submitting this complaint because this negligent company didn't do its due diligence or research and is now potentially screwing up this other person 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TN

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for 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 2023-12-11 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: AZ

Complaint narrative:
To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, during the application process for a HELOC, we learned that a duplicate lien was incorrectly filed when we originally purchased our home in XX/XX/XXXX, which blocks the application for our HELOC. 

Multiple calls and emails since that time have generated zero action. We are unable to actually speak to anyone at the mortgage company ( only the service provider ) and multiple emails and requests for an authorization form required to remove the duplicate lien have been met with wrong directions. Multiple calls to XXXX XXXX Lakeview have resulted in nothing less than rabbit trails and misinformation at a level that is dumbfounding. Added delays due to systems being down have only compounded the situation. 

Almost two weeks ago, someone at XXXX informed me that the file was sent to XXXX, the original mortgage company. I have been trying to get through to them, to also get the same message that their systems are down. Out of desperation this morning, I connected with someone at ( what I thought ) was XXXX, only to discover two transfers later that I was actually talking to someone at XXXX. I was never given the actual number to XXXX. 

Today, I essentially had to start the process from scratch, sending another email with all of the documentation, case numbers, etc. 

I am waiting for an authorization form that I need to sign that will release the duplicate lien. Nothing has been mailed or emailed 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 2023-12-11 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: TX

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: HI

Complaint narrative:
I did not receive an invoice from XXXX XXXX XXXX and the first I knew about this was a collection call from Credence. 
After calling my insurance and communication with the collection company was informed to wait Until it was sorted out. 
I did not receive any information by mail or phone with updates. 
On XX/XX/ I received another collection call this one for a lower amount. No Breakdown of charges or explanations of new charges was given. 
I also could not understand the person very well due to a language barrier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I also added funds on XXXX  in the amount of {$600.00} as well as XX/XX/ I added {$600.00} and XX/XX/ I added {$600.00} totaling to {$2400.00} to pay my credit builder. For a month straight the customer service claimed to see the payments processing and would tell me that my balance and available spending would update but it never did. After calling to see what the issue was with the payment I was told that they no longer could see the payment at all and there was nothing to update as well as no information to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are addresses on my credit report that are nonmailable addresses. There should be only one correct addresses as listed below to be listed in credit report. Also where did Experian Agency get the information reported because this would be a violation of The Privacy Act of 1974, ( as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. )

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