vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: IN

Complaint narrative:
Notice To Sue Subjet : Final Request To Remove Or Delete disputed accounts and Resolution.

To whom it may concern, I am writing regarding the continued over the accounts detailed below, for which I have received yet another generic response, the same response from Transunion Credit Bureau, indicating a previous verification. 
XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) These accounts are not listed on my other XXXX credit reports that I have continually send not only my other XXXX credit reports and substantial documents that Transunion has asked me to provide to them for the removal of disputed accounts. This letter marks another attempt in a series of communications aimed at resolving the issue. The lack of a thorough investigation in this matter by Transunion is not only frustrating but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously the involvement of my consumer rights attorney to asses potential violation of my rights. This is a final appeal for Transunion Credit Bureau to correct or remove the inaccurate information from my credit report. Failure to address this issue satisfactory, will compel me to pursue all available avenues including filing complaints with the Justice Department Office of the Comptroller of Currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX XXXX, as well as engaging my State Senator, Congress, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. The resolution of this matter now rest with Transunion Credit Bureau. I urge Transunion to take appropriate and immediate action. My attorney is closely monitoring everything to ensure a fair resolution in this matter. I hope to receive a response in within 15 days of receiving this letter Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of this account. However, I find it perplexing that XXXX, Equifax, and XXXX present varying payment histories for the periods. By virtue of rule 1002, I assert my entitlement to access the information you are legally required to possess for reporting such information. In other words, for the provided information to be deemed " verified, '' the furnisher must possess sufficient evidence supporting its veracity, fulfilling the requirements stipulated under 15 USC 1666b. Furthermore, it should be noted that under 15 U.S.C .1681A, I, as a consumer, am entitled to privacy protection. Additionally, 15 U.S.C .1681B prohibits a consumer reporting agency from furnishing account information without my written instructions. Lastly, 15 U.S. Code 6802 establishes obligations with respect to the disclosure of personal information, including the requirement for clear and conspicuous explanations to consumers on exercising their right to prevent XXXX from disclosing personal information to third parties. Remove these accounts. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage was refinanced using the HAMP act ( I believe it was XXXX? ) under the Obama administration via Ocwen Loan Servicing. During that process, my loan debt was forgiven in the amount of {$87000.00}. I received a 1099-C Cancellation of Debt in XXXX  for the amount of {$87000.00}. In XXXX, I sold my home and at closing, the new servicer, PHH Mortgage, added the {$87000.00} forgiven amount back into the balance due at closing. It has just now come to my attention, after reviewing my records for another purpose, that this cancellation of debt forgave the amount and it should not have been factored back in at the time of the XXXX  closing. What recourse do I have to recoup the {$87000.00} that was actually due me? Please advise at your earliest convenience. I have the original XXXX  Cancellation of Debt as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I disputed errors on my credit reports from XXXX, XXXX, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

Nelnet 's inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove any inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are some information on my credit report that are in correct.

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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I've submitted multiple disputes with Capital One long ago. It was for a couple charges, one for {$1300.00} and one for {$720.00}, along with other disputes. When I called Capital One because I hadn't received an update, they tell me the documents I faxed they needed for the dispute appeal they did not receive. So the disputes department sent me links via email to send to them, which I did. After a few days, I get a letter in the mail for 2 of the disputes saying the timeframe to reverse a charge has expires, and let them know within 60 days next time. There is no next time! I have proof that I faxed it so it's not my fault that Capital One didn't receive it and didn't even tell me! I need the charges reversed now. One of the case numbers is XXXX, and the other is XXXX. I still haven't received any update about the other disputes I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I open a business account from chase bank on XXXX and deposit {$40000.00}, until XXXX, there is total XXXX unknown online wire transactions during thus XXXX years ( yellow highlights from documents ) and my account is only have {$5.00} right now. The bank open a case and admitted that someone hacked into my account but the claim department doesnt authorized because under their policy its more than 2 month to claim the transaction. However, I didnt receive any text alert or security phone call to verify all of these transaction, how can I know my account is been stolen? I need to be treated fairly and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: MI

Complaint narrative:
Dispute for XXXX and XXXX took month and a half with no changes to file, no information was used that they received, and they did not update files to reflect correct amount. They just say are " experts '' have verified. They do not assist at all with inputting correct 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 2024-03-08 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: MI

Complaint narrative:
Dispute for XXXX and XXXX took month and a half with no changes to file, no information was used that they received, and they did not update files to reflect correct amount. They just say are " experts '' have verified. They do not assist at all with inputting correct 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 non-monetary relief
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Dispute for XXXX and XXXX took month and a half with no changes to file, no information was used that they received, and they did not update files to reflect correct amount. They just say are " experts '' have verified. They do not assist at all with inputting correct information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
Lender : Flagstar Bank Title : XXXX  Title We received our initial closing disclosure on XX/XX/2024. Since then it has changed several times. Finally the lender and title company came to an agreement and they matched CDs. 

Last second before closing on XX/XX/XXXX and XX/XX/XXXX the lender changed the CD and removed part of the {$10000.00} that our seller agreed to give us. This was hours before closing and forced us to reschedule closing. 

Today, XXXX XXXX, we received another CD that was higher than all of the ones before, even the one that reject the portion of the {$10000.00} promised by the seller. Everything they send a CD it goes up and up and up.

They have no resolution for us and we have no clue what's correct.

They have baited and switched us and acted in Unfair, Deceptive and Abuse Practices. 

Attached are XXXX of the CDs we received.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
As of today, XX/XX/2024, my credit report shows my balance as {$30000.00}. 

The correct balance is {$29000.00}. 

The incorrect reporting is causing my credit to be lowered significantly. 

The Fair Credit Reporting Act states in 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Update my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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:
I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and discovered an inquiry that I did not authorize or recognize. This unauthorized inquiry has negatively impacted my credit score and financial standing.

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 2024-03-08 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: GA

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. I recently reviewed my credit report and discovered an inquiry that I did not authorize or recognize. This unauthorized inquiry has negatively impacted my credit score and financial standing.

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 2024-03-08 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sentXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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:
This information belongs to someone else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: NY

Complaint narrative:
There are incorrect address 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 2024-03-08 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-08 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2024-03-08 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 am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( section 6 o 2 states I have the right to privacy ( 15 USC Section 6 0 4a section 2 ) it states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
First off I just want to say this is THE WORST company I ever dealt with on a credit card! NONE of their representative know what they are talking about. 
My account was placed in deferment due to financial hardship. I was clearly told in writing that in XX/XX/2023 my next payment will be XX/XX/2023. 
I started getting late notice in the beginning of XXXX and I had contacted the bank dozens of times. 
Each time it would be a totally different answer from the next and NONE of them know what they were talking about. 
They manage to report my XX/XX/2023 payment as 30 day late when I didn't have a payment due till XX/XX/2023. 
I have spent months now asking them to get an executive office to reach out who has knowledge and authority to speak to me with ZERO success. 
I tried the same route of chatting them and same thing not now person is knowledgeable enough and try to tell me I was late when it was CLEAR AS DAY IN WRITING I didn't have payment due till XX/XX/2023. NO ONE has reached out to me to help and I told them I will not pay until this mistake is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/24 I wrote to Capital One requesting verification of the account they are reporting to the three Credit Bureaus. Along with my letter, I provided them with copies of my driver 's license, social security card, and a utility bill. On XX/XX/24, I received a letter from Capital One stating that the account I am referring to was taken either over the phone or the internet and they can not provide me with a copy of the original agreement.

Company response to consumer: Closed with explanation