vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX  days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly XXXX am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I XXXX follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Social Finance, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I applied for a credit card with Sofi. I received a letter from the company stating that I was denied for a credit card for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TX

Complaint narrative:
I have tried to dispute the inaccuracies on my credit report with Transunion several times and have disputed the information. I receive correspondence saying account for Americollect for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with Transunion for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted 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 2022-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I applied for a personal loan with Sofi . I received a letter from the company stating that I was denied for a personal loan for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of XXXX I secured a mortgage through XXXX in the amount of XXXX. I never missed a payment and this account is not being reported by Equifax. They refuse the properly report my credit worthiness. 

This is the XXXX account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay Equifax maybe thats why they dont report my credit properly. 

They need to report my previous mortgage immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have never taken out a loan with Nelnet. Despite that fact, they claim that I owe them more than {$11000.00}. Since XX/XX/XXXX they have been reporting this on my credit report. Around XXXX, I attempted to find out who claimed I owed this alleged debt. More recently, I attempted to clarify this again. As Nelnet has refused to send the wet ink contract or Promissory Note. Since then, they have and are currently reporting late payments to debt I do not owe Nelnet. This has resulted to slander of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: WA

Complaint narrative:
I sent Experian written instruction according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Experian is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Experian to carefully read my written instruction and grant me my rights under the FCRA.

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 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, I received an email from XXXX XXXX XXXX that I made a subscription of {$390.00} which I did not do. They left a XXXX number below the email to call for a refund which I did and spoke to XXXX who told me that I have been refunded and that I can check my account and see if I received the refund. I opened my online banking with Wells Fargo and noticed transfers to XXXX and XXXX on XXXX XXXX and XXXX which I did not do. XXXX told me that he was going to help me recover my money with a dummy money of {$10000.00} that I saw in my account which I need to transfer to one XXXX XXXX in XXXX who is responsible for the illegal transfers in my account. He said that I should not talk to bankers because they want to find out who they are who he said might be working along with the fraudsters. I was directed to go to my bank and make the transfer. I did that. They left a XXXX number to call the next day so that I can get a full report of those that stole my money. I called the number but there was no response. I was told it is not a working number. I ran back to Wells Fargo bank and narrated my experience with these suspected fraudsters. I was given a fraud claim number. 
Each time I called the number I was told that I would be given a new claim because they can not locate my number. After 4 different claims I was directed to the branch manager XXXX XXXX on XXXX 2021, who told me that she was going to escalate my case and that I will receive a response from them in 10-15 days. I waited. I received a protected email from Wells Fargo who told me that after careful investigation that trying to get back the fraudulent wire transfer of {$10000.00} from XXXX all was to no avail. So, for that very reason, I will not receive any claim from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
These accounts are not mine and they should be removed from my credit file. 
XXXX ) Suntrust account # XXXX Date open XXXX XXXX Balance {$21000.00} XXXX ) XXXX Bank account # XXXX Date open XXXX XXXX XXXX Balance {$38000.00} Loan Amount {$55000.00} Someone stole my information and open these accounts. I have put a fraud alert on my credit file sent in my Identity Theft Affidavit in police report and someone was still able to open these accounts fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
THIS COMPANY " CREDIT COLLECTION SERVICES '' WAS REPORTING NEGATIVE ILLEGAL INFORMATION ON MY CONSUMER REPORT AND DAMAGING MY CREDIT SCORE. I NEVER DID ANY BUSINESS WITH THIS COMPANY NOR HAVE I EVER EVEN HEARD OF THIS COMPANY. I WROTE THEM MULTIPLE LETTERS ASKING FOR DEBT VALIDATION ( WHICH THEY DID NOT VALIDATE THAT I OWED THEM ANYTHING ) AND SUBMITTED A COMPLAINT THROUGH HERE AS WELL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TX

Complaint narrative:
Unverified account, amount {$210.00} Unverified account, amount {$210.00} Unverified account, amount {$260.00} Unverified account and is not my account, its FRAUD! 
All these accounts were investigated by XXXX then later deleted by XXXX however, EQUIFAX has yet to delete these FRAUD accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Credit Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at XXXX different adresses in XXXX states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for Lowes credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and ex Girlfriend XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For XXXX yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you 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 2022-02-05 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: GA

Complaint narrative:
I checked my credit report and I noticed that I had late payments reporting from XXXX XXXX XXXX I've never had a late payment associated with that account I then proceeded to reach out to the credit reporting agencies that's reporting the inaccurate information to update the inaccurate information to paid on time but they haven't fixed the issue.

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 2022-02-05 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have disputed with Santander on numerous occasions ; however, they did not notate my report to reflect as such. Instead, their response to my previous complaint proved that they need to delete the account entire from all three bureaus. Not only did they mail notices to an address I never lived at ( which is required according to the FDCPA ), they openly stated that they could " report an account as open/charged off ''. An account can not be open and charged off nor can it be reopened and report a missing payment which can have extreme financial injuries and repercussions. According to XXXX XXXX Santander Consumer USA, Santander has previously and continuously refuses to properly investigate and remedy their negligent reporting at the emotional and financial expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Onemain financial company belongs to my daughter, I call my daughter, and she told XXXXr that it had been only 20 days late, but on their ( onemain ) contract it stated it have to be 30 days late before they put it on your credit report and. My daughter let me know that she was paying it tomorrow, which she did, and it wasn't 30 days, it was only 21 days late, but the worker threaten me about this if I didn't pay for my daughter bill, when my daughter wasn't actually late, so she put this dispute on my credit report and I would like to dispute it please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I placed a security freeze on all three bureaus along with a security alert, due to suspicious activity from monitoring services. Experian, however, sent an email confirmation with the name XXXX XXXX and my name is XXXX XXXX. I have never been associated with that name and when performing the security freeze over the phone, it was not a live individual when asking for verification. I was trying to fix this, but in order to do so I have to lift the freeze and it will still not let me speak to a customer service representative to sort out the issue. I have called 2 different numbers found for Experians customer service line. Their online system and phone fail to help me " self-resolve '' the issue. I understand this, then they should add a section in the phone or separate customer service or chat option to help with these matters. I just do not want the freeze removed yet until I can confirm why they have an incorrect name in the first place. Please assist.

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 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I submitted a debit card fraud claim with CitiBank on XX/XX/XXXX for the amount of {$4100.00}. ( XXXX ) CitiBank denied my claim on XX/XX/XXXX without any specific reason. Also, there was no response after I submitted an appeal for the claim decision.

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 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper has continued to decline my application for a loan modification and prolong the process with needless demands to resubmit documents. During this process the appraisal I was instructed to pay for expired due Mr. Cooper 's negligence. Despite the documents I submitted, Mr. Cooper reviewed and listed the incorrect income and insurance costs and property value as they repeatedly declined my loan modification application. As a result, my home is now in foreclosure, again, due to Mr. Cooper 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: TX

Complaint narrative:
I have tried to dispute the inaccuracies on my credit report with XXXX several times and have disputed the information. I receive correspondence saying account for XXXX for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with XXXX for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This applies to both accounts, i.e myself and my spouse 's. While traveling during XX/XX/XXXX to new jersey, chase bank continuously declined my spouse 's card for amounts less than {$20.00}. Both of our accounts had sufficient funds. Today, XX/XX/XXXX, after spending 2 hours on phone with phone company to purchase new phones, we finally got to the agreement/payment page which i completed only to have chase bank decline the charge of {$230.00} while my account contained a balance of more than {$2400.00}. I am a XXXX veteran who doesn't have the mental capacity found in most individuals. Stress and anxiety are my immediate enemies due to my health status. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The simple solution would have been to 'pend ' the charge rather than outright deny it. The nightmare now is trying to figure out how to re-pay the phone company hoping that they don't cancel the order. You may consider re-sending the payment an easy task however it is surely turning into a nightmare for us. Due to my colorful language, language i learned in the military, and the reason given was 'some people only respond to a certain language ', i may have upset the female csr at chase however i did ask to speak to a male citing that my language would become colorful. unfortunately, she would not comply and therefore witnessed my verbal wrath. Anyway, to save a life, wouldn't it be wiser to 'pend ' a charge rather than outright denying the charge? What level of common sense does it take to make that decision? anyway, i will be terminating future services with chase bank, however having the card declined over an hour ago, ( call ended XXXX, it is now XXXX ) and i'm still having chest pain and feeling light headed, I would like for them to pay for the upcoming emergency department bill because THERE WAS NO BASIS FOR DENYING THE CHARGE AGAINST MY DEBIT CARD, WHICH CONTAINED SUFFICIENT FUNDS, FOR 'SUSPECTING " FRAUD, WHEN THEY COULD HAVE JUST AS EASILY 'PENDED ' THE CREDIT TO MY ACCOUNT! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: NY

Complaint narrative:
I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help 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 2022-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2015 I secured a mortgage through USAA in the amount of XXXX. I never missed a payment and this account is not being reported by XXXX. They refuse the properly report my credit worthiness. 

This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay XXXX XXXX thats why they dont report my credit properly. 

They need to report my previous mortgage immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation