vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
The credit reporting agency XXXX stated that this collection account was property investigated and came back as verified. However, how is this true when there is no proof of this account belonging to me? No evidence of a signed contract of the debt with the creditor and I have had trouble with other inaccuracies that were previously on my report that were removed due to them being invalid and fraudulent.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: MN

Complaint narrative:
I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX : Account number : XXXX. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.

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 2024-02-08 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
There are XXXX companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the USPS to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: SC

Complaint narrative:
There are XXXX companies in which I never had accounts with reporting information on my credit report. I contacted the credit reporting agencies via phone to let them know and was told to contact these companies. 

I attempted to send a notification to this company and let them know of this inaccurate information but when I went to the USPS to send certified mail I was informed that these addresses can not be found in order to be delivered. These addresses are reporting on my credit report and they are not real addresses and I want this information 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 explanation
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
I have recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX kids because of this matter.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This company doesnt allow me To finicial plan after I told them I facing hardship! They lied in their last complain that they woll help me to do a financial plan for my hardship. I told them I also had a car accident. They took the report, increased my account balance and interest again they said it will be freeze another liar! The worst credit card company I ever deal. My score is extremely going down to because of this. They are not coming to solution although they make false statements l. Here

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors, on all XXXX ( XXXX, XXXX, Equifax ) Several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 

I want this resolved as soon as possible. 

My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 

Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX! 

I am requesting that the information in my file be updated to reflect only my current correct address. 

Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. 

I look forward to your response on this matter as well as an updated credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CT

Complaint narrative:
To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors, on all XXXX ( XXXX, Experian, XXXX ) Several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 

I want this resolved as soon as possible. 

My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 

Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX! 

I am requesting that the information in my file be updated to reflect only my current correct address. 

Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. 

I look forward to your response on this matter as well as an updated credit report. 

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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing ( SLS ) is attempting to enforce a XXXX XXXX Mortgage to foreclose on our house. 

The {$130000.00} second mortgage was originated under duress in XX/XX/XXXX as part of the early fall-out of the impending housing crisis -- we were among the first victims to get stuck. The mortgage was designed to be a bridge loan until our previous house sold ; but the bridge loan failed, and we were stuck paying an extra $ XXXX for our housing payment. 

After paying the loan for five years, our first mortgage adjusted up {$1000.00}, and we were no longer able to afford payments on the second mortgage. We sought out legal counsel, and we were told that we should stop paying the second mortgage since our house was about {$200000.00} under water. When we stopped paying the second mortgage in XXXX, SLS accelerated the loan and threatened us with foreclosure. But they never filed Over the next decade we received occasional notices that our loan had been bought by another entity, and we received two more additional threats of acceleration and foreclosure -- the most recent was last spring.

SLS filed foreclosure proceedings against us late last year, and has forced us to declare bankruptcy.

We believe that SLS should not be allowed to enforce this lien against us since the loan was originated under duress and since they neglected to enforce any action against us for more than a decade.

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 2024-02-08 00:00:00
Product: Mortgage — USDA 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Applied for forbearance while out of work on medical leave. Forbearance was supposed to end XXXX XXXX XXXX I was told my past due amount was going to be put to the end of my loan during a phone conversation with my mortgage company at the end of XXXX. End of XXXX comes and I'm told everything is still pending for my missed payments on forbearance to be moved to the end of my loan and they will move the start date of my payments to the beginning of XXXX since I can't make a payment while this is pending. Come end of XXXX I'm being bombarded with phone calls that I was supposed to fill out paperwork in order for my payments to restart and my modification to move my missed payments to the end of my loan term. I never received paperwork and they kept telling me they would send it and never did. I asked multiple times if I could set up a repayment plan and was told I had to pay past due amount in full or they will not accept any payment from me what so ever. Finally received paperwork in XXXX of XXXX filled it out and returned it was told I would get confirmation in 5 business days that it was processing and never did. In XXXX of XXXX was told my only option is short sale or deed in lieu of foreclosure. No one is returning my calls or emails. If they do they will call me at random times of the day ( sometimes at XXXX  ) when I can't answer or from a number that shows up a potential spam. They are not in a different time zone from me so idk why they're calling me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-08 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included Barclays privacy policy which clearly states Barclays does not share to NON AFFILIATES. XXXX, XXXX and XXXX XXXX are NON AFFILIATES.

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 2024-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Identity theft... Someone created account with my name and linked to my savings account. They called and transferred {XXXX} from my savings into their account. This was a phone transfer of funds. Bank kept telling me it was my account. I called 3 times and went to bank 3 times with 2 personal IDs to prove my identity. Person who stole my funds only made one phone call and my funds were transferred to their account. 

When I called bank 3 times they kept telling me it was my account and I made the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
XXXX account XXXX derogatory trade dated XX/XX/year>. 

Violation of Fair Credit reporting act 15 USC 1681 section 602, Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared. This is backed by 15 USC 6801 which states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it verbal, no non verbal, written or implied may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item that they are reporting without my permission. They are acting in violation of the law. Further 12 CFR 1016.7 states that a consumer has the right to opt out at any time. I am opting out officially and lawfully on the record.

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 2024-02-08 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: RI

Complaint narrative:
Since XX/XX/2023 I have been disputing multiple fraudulent that is report to my report. I have filed a police report and an FTC report and there are still some accounts that should not be on my report. I have disputed will all XXXX credit bureaus and only XXXX have resolved my issues and removed all accounts. XXXX have removed some there are still XXXX accounts that needs to be removed. Equifax have not removed none of the accounts. 


15 US. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Its has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX my fianc, and I reached out to USAA regarding fraudulent charges, dating back more than a year. When speaking to the representative we reviewed the charges line by line as she entered them into the system. We spent approximately 3 1/2 hours on the phone while she entered each transaction. 
When calling back to check up on these transactions, it was told to us that they couldnt be found within their system. This process had to be repeated an additional two times over the course of three months. The first three calls we were told that somebody from the fraud team would call us back - we never received a call back. 
On XX/XX/XXXX, we called to follow up again. This time we asked to speak to a manager. They stated they were going to transfer us to the customer relations team, as they were the highest level of customer service that could speak with us. XXXX took our call, reviewed all of the information and confirmed they had all of the transactions needed, and we would receive a call in 2 to 3 business days from the debt resolution team. He also explained where the missing notation was needed on the documents being transferred from one department to the other. 
On XX/XX/XXXX. We still had yet to receive a callback and called in to speak with the customer relations team again. At that point we spoke to XXXX, who assured us that he expedited the issue and somebody would get back to us with some sort of resolution. 
The following day, XX/XX/XXXX, we got a call from the debt resolution team, who left a message that they had all the information and they were working on it. 
Finally today we received another call from a representative, again, in the debt resolution department, stating that all of the transactions would need to be entered again, line by line in order to move forward. 
Collectively, we have spent approximately 11 hours in total on the phone with various representatives from USAA. Not to mention the conversations had on there their internal texting system. Besides the antiquated software system they use, their customer service follow up is nonexistent. 
As a XXXX XXXX XXXXXXXX veteran and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not have to fight this hard to get back monies that were fraudulently made - approximately {$5000.00} worth.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
I did not grant authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.

Company response to consumer: Closed with explanation