vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian removed my current and correct address. I sent in my ID and they disregarded it they did not do a investigation. I only have XXXX current address which is XXXX XXXX XXXX XXXX XXXX XXXX Georgia. This is the address I use here on the CFpb this is my address. Experian can't tell me where I live I know where I live. Delete that address off my profile. They are not working on it they are not correcting anything they are sending the consumer in circles because they get paid from the creditor so they have no incentive to fix errors. Fixing errors means less money for them and they can hold some more people down financially. They are doing nothing when you dispute absolutely nothing. You send certified mail and they say it doesn't look like it came from you. Then who did it come from then? They said they deleted by mistake how can you delete someone address by mistake but you can't correct errors? How errors can't be deleted but true correct information can? They send this automated reply and stall and do nothing.

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 2023-11-15 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: EQUIFAX, INC.
State: VA

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. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd

Complaint narrative:
Transferwise bank closed my persnol account. In my account have more then $ XXXX also XXXX pounds and XXXX euro. They closed my account without any resason and notification and hold my funds. I need my account and funds asap. Because I have to pay bills. I will be really thankful to you. 
Email : - XXXX Phone no : - XXXX Address : - XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Last transfer number : - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Hi Madam/Sir This Complaint are against TransUnion. I had pull a Credit Report and noticed that ; 1 - TU records show XXXXXXXX XXXX XXXX XXXX ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an XXXX XXXX on XXXX by XXXX XXXX  based on information from TU, " XXXX proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the TransUnion representative should always read and share the correct information on records to XXXX XXXX or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against TransUnion, one thing I wish are XXXX to become more careful sharing information. 

Sincerely 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 2023-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
I took out a car loan in XX/XX/2023. I couldn't afford car insurance because I got laid off. Since the vehicle was uninsured they increased my loan amount by more than XXXX XXXX. I currently have insurance on the vehicle and the loan company hasn't reduced the loan amount. Can they increase my loan like that. The company is gold acceptance. This has affected my credit score

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a text message from XXXX ( XXXX ) XXXX that claims to be the fraud department from Wells Fargo and asked me if i schedule a transaction for XXXX for {$3000.00} to XXXX XXXX. I replied with No. A few minutes later I received a phone call from XXXX ( XXXX ) XXXX and I followed their instructions and perform a XXXX transaction of {$1400.00} to an account for XXXX. I already gave out my social security number and the transaction is made.

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 2023-11-15 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: PA

Complaint narrative:
Names and addresses on report I am not associated with and would like removed to maintain confusion

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 2023-11-15 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: PA

Complaint narrative:
Names and addresses on report I am not associated with and would like removed to maintain confusion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX claims I owe XXXX on a credit that I do not know of.

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 2023-11-15 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: PA

Complaint narrative:
these companies are violating my rights i ask them to show me proof who they spoke with and send me proof they legally had the right to repossess my car.

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 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I reached out to Chase who holds our mortgage for our primary residence as we have hit a 79 % LTV and when we applied for this mortgage our mortgage broker told us we can request PMI be removed once we were under the 80 % LTV threshold as long as we were current on payments. Chase said they would send a letter within 5-10 business days with their decision. I believe their response was incorrect and had false information about our loan and they are stalling on removing the PMI as requested. They sent a letter that stated our loan was backed by XXXX XXXX and did not follow certain guidelines and did not fall under the homeowner 's protection act. When I looked this up on the XXXX XXXX lookup tool it did not state our loan was backed by XXXX XXXX, and our closing officer said it was a conventional loan. My concern is that we are being told something that might not be the case and I would like clarity moving forward about whether or not we are due to get our PMI back. I have provided screen shots of what we were told by our loan officer when we first decided to move forward with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-15 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: 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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Good day, I'm reaching out to have the following items changed on my credit report I kindly request the immediate change. 

Name : XXXX XXXX XXXX XXXX of birth : XX/XX/ Address : XXXX XXXX XXXX XXXX MI XXXX Employers : None Please remove all previous addresses ( i never lived there ) Remove all " Also Known as ''

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2023-11-15 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2023-11-15 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: Experian Information Solutions 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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
Good day, I'm reaching out to have the following items changed on my credit report I kindly request the immediate change. 

Name : XXXX XXXX XXXX XXXX of birth : XX/XX/ Address : XXXX XXXX XXXX XXXX MI XXXX Employers : None Please remove all previous addresses ( i never lived there ) Remove all " Also Known as ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Good day, I'm reaching out to have the following items changed on my credit report I kindly request the immediate change. 

Name : XXXX XXXX XXXX Date of birth : XX/XX/ Address : XXXX XXXX XXXX XXXX MI XXXX Employers : None Please remove all previous addresses ( i never lived there ) Remove all " Also Known as ''

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Hi Madam/Sir This Complaint are against XXXX. I had pull a Credit Report and noticed that ; XXXX - XXXX XXXX show XXXX XXXX bankruptcy discharged ( the payment plan with creditors were completed ) within updated date XX/XX/2023. 

I was not approved for an Amazon StoreCard on XXXX by Synchrony Bank based on information from XXXX, " Bankruptcy proceeding, credit counseling or creditor settlement '', well, this phrase are present sentence! Looks the XXXX representative should always read and share the correct information on records to Synchrony Bank or any other Credit Institution. I believe my Credit were affected. 

Honestly I don't know what actions CFPB can or may do against XXXX, one thing I wish are XXXX to become more careful sharing information. 

Sincerely 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 2023-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CADENCE BANK
State: TX

Complaint narrative:
The bank worked with our builder to change terms of our mortgage and devalue our home by ~ {$90000.00} by changing line items in our budget without homeowner consent. They did this with documented manual budget overrides and ordering inspections to obligate us to pay the builder even though work was not complete, also reimbursing the builders for {$36000.00} of out-of-scope work, not agreed to by the homeowners. The bank executed loan modification agreements that were obtained through blackmail, as witnessed by the bank. We believe the bank did this in order to secure future business with the builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XX/XX/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 2023-11-15 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: SC

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
these companies are violating my rights i ask them to show me proof who they spoke with and send me proof they legally had the right to repossess my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto is reporting an auto loan debt which was chargeoff and sold to a collection agency. They never sent me a 1099 C form of the debt being sold. There shouldnt be a past due balance on a charge-off account. This is false inaccurate information. The past due balance should be XXXX. Also I notified capital one of the inconsistent payment reporting history of this account. XXXX, XXXX and XXXX of XXXX are both reporting 30 days late and which is incorrect. Its impossible to report 30 days late for two months in a row. It should say 30, 60, days late. This is false and inaccurate information.Please remove this account. Due to the FCRA, this is a violation. This debt keeps coming back verified but theres so many inaccuracies that its impossible for that this debt has been verified correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NY

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 non-monetary relief