vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX has given me a small micro secured loan. It was paid off. The data on my credit report ( attached ) shows it was in collections, could be potentially negative, no balance for a few months or payment shown, shows I closed account at my request when it was paid in full and it was secured not unsecured. Furthermore, it was closed over XXXX  years ago and if it is potentially negative it needs to be removed from my credit reports. There needs to be data for XXXX and XXXX. It needs to show that this was a secured loan that was paid in full. Otherwise if there was any attempt for collections or any negative information it has to be removed it is over XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Our original mortgage was XXXX  XXXX  they put us in a bogus modification then turned around and made us sign a contract to keep our mortgage with a 60 year mortgage we just cant get above our principal mortgage was XXXX now after 20 years XXXX they had there hands slap and that was it then chase sold our mortgage to XXXXXXXX XXXX XXXX we have really high fees and always have to fight for our escrow I keep really close tabs on this and they always always say we are short not true now we have been bought out again by XXXX XXXX  and they say we are short again on escrow XXXX and owe XXXX in late fees not true our five r net needs to stop this predatory lending please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX. Trans Union Corp., XXXX XXXX XXXX XXXX XXXX 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-13 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-10-13 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: PA

Complaint narrative:
15 U.S. 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. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
15 U.S. 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 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello, Please reference my previous CFPB complaint. I applied for a CHASE sapphire card back in XXXX. My credit was pulled but my application was pended for XXXX verification. 

We still don't know why it pended for XXXX verification considering all demos were entered correctly on the application and CHASE had a copy of my credit file, and has an existing relationship with me. 

Nevertheless, I mailed in a copy of my drivers license. I received another decline letter stating my drivers license ( which I know was most definitely legible when I mailed it ) was unable to be read. So I went to a branch and they scanned and e-mailed the driver 's license. I then got a second denial letter stating the application was determined to be fraud. So then we called application services, who found the e-mailed drivers license, and had to send it off to another department. And, again, we were declined for fraud. SO FOR THE XXXX ATTEMPT, we called application services, escalated the call, they sent a link to upload my SS card and drivers license, I sent them in, and after almost a month of going back and forth, we got ANOTHER decline letter, this time for having received a CHASE Sapphire intro bonus in the past 48 months. 

So to recap : XXXX ) CHASE pulled my credit ; XXXX ) CHASE gave me the run around for almost 30 days with identification/USPA verification XXXX and then finally XXXX ) Ultimately declined my application for having received an intro bonus in the last 48 months. 

My husband also applied at the same time, and was also declined for having the intro bonus in the last 48 months, but his credit was never pulled and he wasn't given the run around. 

This is clearly a regulatory violation. Either Reg B/ECOA, or at a minimum a huge UDAAP violation. 

We're contemplating legal action for this monstrosity of a blunder. 

Reference number for the application is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, this credit reporting agency TRANSUNION LLC. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/22

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 2023-10-13 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: CA

Complaint narrative:
Experian credit reporting agency 's shows XXXX fraudulent inquires AND ONE FRAUDULENT ACCOUNT, please remove all fraudulent inquiries AND ACCOUNT listed below XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number 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 2023-10-13 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/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 2023-10-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My identity was stolen and fraudulent accounts were opened. Per credit reporting laws I demand these fraudulent accounts be deleted from my credit reports immediately. TY

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 2023-10-13 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: DISCOVER BANK
State: CA

Complaint narrative:
My identity was stolen and fraudulent accounts were opened. Per credit reporting laws I demand these fraudulent accounts be deleted from my credit reports immediately. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MORTGAGE INVESTORS GROUP
State: TN

Complaint narrative:
apparently, they got my information from XXXX XXXX when I was trying to find interest rates for Tennessee and they keep badgering me despite my asking them not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Deposited XXXX $ into my account to avoid overdraft fees. Chase decides to charge me XXXX XXXX $ fees the next XXXX  I wake up. XXXX $ money I do no have taking food out of my mouth those XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I noticed this on my credit today and it cost me XXXX points. I DO NOT OWE THIS BILL AND I NEVER HAD A XXXX XXXX XXXX  ACCOUNT. I CALLED THE COMPANY AND THEY TOLD ME THEY DIDNT SEE THIS ACCOUNT UNDER MY SOCIAL SECURITY NUMBER.. I ASKED THEM TO REMOVE IT AND THEY TOLD ME THEY DON'T KNOW HOW BECAUSE THEY DONT SHOW ME HAVING AN ACCOUNT WITH THEM. I TOLD THEM THEN HOW DID IT GET ON MY CREDIT. THEY FAILED TO TRY AND HELP ME HOWEVER, THIS HAS DAMAGED MY CREDIT AND I WANT PENALIZATION FROM THIS COMPANY. THIS IS A COPY OF THE ACCOUNT ON MY CREDIT REPORT ON XXXX I SPOKE WITH XXXX XXXX, AND XXXX XXXX WHO CLAIMED HE WAS A MANAGER, AND THAT HE DIDNT SEE ANY ACCOUNTS FOR ME AND THEY WAS A BIG COMPANY AND HE DIDNT KNOW WHERE TO TRANSFER ME BECAUSE HE DOESNT SEE ANYTHING UNDER Y NAME, AND MAYBE A NEED TO GOOGLE THE COPANY AGAIN AND MAKE SURE IM CALLING THE RIGHT COMPANY OR CALL THE ORIGINAL CREDITOR WHICH I DID AND THEY DIDNT HAVE ANYTHING UNDER MY SOCIAL SECURITY NUMBER. 

THIS IS A COPY OF WHATS ON MY REPORT.. 
TRANSWORLD SYSTEMS I Last reported XX/XX/XXXX  {$240.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX  ( 1 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX XXXX  Report info

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 2023-10-13 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: VA

Complaint narrative:
It's another example of credit reporting agencies following the leader. XXXX lowered my credit score first, then XXXX, and today Experian followed suit. Nothing in my credit history has changed. I haven't missed any payments. I've had the same two credit cards for years. I've banked at XXXX XXXX XXXXXXXX for thirty-seven years. I'm not anymore of a credit risk today than I was a month ago, and yet all three reporting agencies have lowered my score. My credit score should not be based in any way on a reporting agency 's plausible deniability. I'm not being treated fairly.

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 2023-10-13 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: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding unauthorized inquiries on my credit report. I have attached additional documentation to support my claim. 

Complaint Details : XXXX. **Unauthorized Inquiries** : On XXXX XXXX, I discovered unauthorized inquiries on my credit report from Transunion. These inquiries were not initiated or authorized by me, and as a result, have raised serious concerns about the security of my personal information. 

XXXX. **Attached Documentation** : Enclosed with this complaint, you will find the following supporting documents : - [ List of attached documents, such as ftc report XXXX identification documents as requested by Transunion rep ] 3. **Impact on Financial Standing** : The unauthorized inquiries have the potential to negatively impact my creditworthiness, which could have far-reaching consequences on my ability to secure loans, obtain favorable interest rates, and even affect my employment prospects. 

XXXX. **Attempts to Resolve** : I have made repeated attempts to contact Transunion to rectify this situation, but have received no response or assistance in addressing this issue. This lack of responsiveness has only compounded my frustration and concern. 

XXXX. **Request for Investigation** : I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure that transunion complies with federal regulations and takes necessary steps to rectify the unauthorized inquiries promptly. 

I believe that Transunion 's failure to adequately address this issue not only jeopardizes my financial well-being, but also raises questions about their commitment to consumer protection and compliance with applicable laws and regulations. 

I appreciate your prompt attention to this matter and request that you keep me informed of any progress or updates regarding the investigation. 

Thank you for your assistance in this important 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