vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Department of educationXXXX is showing everything as being paid good then out of no where they show one month with a green check then the very next month 90 days late. Then the next month is 120 days late. Then the third and final month is 150 days late. The math doesnt work. I am XXXX living on railroad retirement board XXXX. Im doing what I can but the dates showing late are the dates they said they were putting a freeze on student loans due to the COVID 19. On fico which is attached they show 120 day late then 120 days late tgen 159 days late. This math does not work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Department of educationXXXX is showing everything as being paid good then out of no where they show one month with a green check then the very next month 90 days late. Then the next month is 120 days late. Then the third and final month is 150 days late. The math doesnt work. I am XXXX living on railroad retirement board XXXX. Im doing what I can but the dates showing late are the dates they said they were putting a freeze on student loans due to the COVID 19. On fico which is attached they show 120 day late then 120 days late tgen 159 days late. This math does not work

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I called Chime bank trying to find out how to deposit my daughters cashiers check that was signed over to me!! And the representative XXXX and chime had me download a app called XXXX and that gave him access to my account then he had me go to pay anyone on the banking app that I have in my for put in the note spot my daughters name and the amount of the check then he had me put in a bunch of letter avandance which then he had me put in a code XXXX in the pay section which then took {$1400.00} out of my checking and it as sent to a XXXX XXXX chime name $ XXXX I filed a dispute right away told a another representative what happened and they said that they could not stop it please help me with this matter thank you for your time in this matter Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I suffered a total loss on my primary residence due to Hurricane Ian. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. Currently, rocket mortgage is threatening to put my house in foreclosure WITHOUT NOTICE ... .the home that I can not live in. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car l. I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of God and the lack of regulation by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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:
I am writing to bring to your attention several serious violations committed by TransUnion, a consumer reporting agency, in relation to the Fair Credit Reporting Act ( FCRA ) and the protection of consumers ' rights under federal law. It has come to my attention that TransUnion has failed to comply with the provisions outlined in 15 USC 1681 and the FCRA Sections 611, 616, and 617, as well as violated identity theft laws as per the Federal Trade Commission ( FTC ). XXXX XXXX XXXX XXXX XXXX XXXX, violated my consumer rights via fraud directly related to information sold and transferred to TransUnion. 
First and foremost, TransUnion has failed to fulfill its obligations under 15 USC 1681, which mandates the accurate and fair reporting of consumer credit information. Despite the requirement to maintain reasonable procedures to ensure maximum possible accuracy, TransUnion has negligently reported erroneous and misleading information on my credit file. This inaccurate reporting has had a detrimental impact on my creditworthiness and financial standing, as well as impeded my ability to obtain credit, secure housing, and access other essential services. 
Furthermore, TransUnion has violated FCRA Sections 611, 616, and 617, which specifically address consumer disputes and the responsibilities of credit reporting agencies in handling such disputes. Despite my numerous attempts to dispute the inaccurate information on my credit report, TransUnion has either failed to conduct a reasonable investigation or provided a perfunctory response that did not adequately address my concerns. This failure to comply with FCRA requirements has deprived me of the opportunity to rectify the inaccuracies and protect my consumer rights. 
In addition to these violations, TransUnion 's actions also constitute a breach of identity theft laws as outlined by the FTC. The inclusion of fraudulent accounts and erroneous personal information in my credit file indicates a failure on TransUnion 's part to implement sufficient measures to protect against identity theft. By allowing such information to be present and persist despite my diligent efforts to correct it, TransUnion has further exposed me to potential harm, financial losses and illegal reposession by 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: WV

Complaint narrative:
To Whom it May Concern While checking my most recent credit report I noticed credit inquiries that I did not authorize made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX & XXXX. XXXX, 2022 XXXX. XXXX XXXX XXXX & XXXX XXXX, 2022 XXXX. XXXX XXXX XXXX XXXX & XXXX. XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of XXXX XXXX as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED. 

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this tem is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation