vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is not allowing me a fair opportunity to manage this account as a co-borrower. I have requested monthly statements, payoff statement, to make me the primary borrower & to have any & all information in regard to this account to be mailed to my address NOT the property address. Im being denied a fair opportunity to protect my personal credit. Every dispute response is verified as accurate but historical information is changed to reflect different information that was previously verified as accurate. I have fought clarification for the past 11 months. I depend on dispute information & credit reports to try to manage this account. I didnt even have an account number or transfer information until XX/XX/2023 through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seems to have consistent poor customer service based on reading reviews. Very similar to my own situation. They make no attempt to resolve the situation when I have tried everything I could to protect my credit. I have no control of any future delinquencies because I only find out the status AFTER its reported & ONLY on my own via credit reports & disputes.

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 2023-10-18 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was in the process on buying a house when I seen accounts thats was not mines I sent out my dispute letter on XX/XX/

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 2023-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXXccount Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

13. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Experian has failed to remove the account when a validation of debt letter was sent to the creditor over a year ago, and they did not validate the account or send a 1099. Lastly, this account is closed yet Experian is continuing to increase the number of days late. I will attach my credit report to show proof. XXXX and XXXX have since removed the account and I am requesting the following accounts to be removed from my Experian credit report within 7 days : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Marlette Funding, LLC
State: KS

Complaint narrative:
Main Issue - I have asked Best Egg to quit calling me at work at least twice. They have continued to call. The last time was today, Wednesday XX/XX/. They talk to the switchboard operator, they talk to my co-workers, stating that they are with Best Egg, trying to reach me, and then leave me voicemails. Today 's voicemail was from XXXX was at XXXX in the afternoon. I am sure my co-workers can figure why they continue to call. 

Side Issue- I have a medical issue that has caused me to a financial hardship. I called Best Egg requesting a lower payment and lower interest rate while I try to get caught up. They refused to help, stating they have no programs available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-10-18 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 2023-10-18 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: TN

Complaint narrative:
XXXX, Experian, and XXXX is in violation and not in compliance with Metro 2

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 2023-10-19 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: AZ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want TransUnion, XXXX and XXXX to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX 3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX 4. XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) - Account # : XXXX 5. XXXX XXXX XXXXXXXX - Account # : XXXX 6. XXXX - Account # : XXXX 7. XXXX XXXX - Account # : 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 2023-10-18 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 want XXXX, XXXX and Equifax to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

1. XXXX XXXX XXXX - Account # : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX 3XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX 4. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - Account # : XXXX 5. XXXX XXXX XXXXXXXX - Account # : XXXX 6. XXXX - Account # : XXXX 7. XXXX XXXX - Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Aidvantage, a subsidiary of XXXX  continues to send me bills and payment reminders for federal student loans that were consolidated and now serviced by XXXX. When I try to close the Aidvantage account, change email settings, alter my account information, I cant find any way to do soeven logging into the Aidvantage account, it says {$0.00} balance due because of consolidationbut the emails I keep getting are saying that I should still owe Aidvantage a XXXX  XXXX payment monthly and have a big pay now link for me to enter credit card or bank information and submit money. I believe this is a scam to take advantage of borrowers now that the payments have resumed, as I am no longer a customer of XXXX  or Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I'm not liable for this debt with XXXX XXXX XXXX I don't have a contract with the collection agency trying to collect a debt they didn't provide me with the regional contact as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My Bank processed 3 fraudulent debits on a debit card linked to my business account.

They credited me for 2 out of 3 with no explanation. They held me responsible for the only large charge over {$500.00}. They provided me with documentation that included the IP address used to generate the charge. Through my own research, I learned the IP address used was in XXXX. The Bank still refused to acknowledge or explain this. They told me to reach out to the online vendor who received my money. This is hubris because I do not know anything about the vendor. 
I met with 2 different branch managers who were stonewalled as I was. I reported this to the XXXX Department XXXX XXXX XXXX who referred me your office. 
My letter sent to your office in Iowa came back as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. 18 USC 8 and 15 USC 1681 2 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
Failure to report accurate and factual information. 
Also failed to investigate ( even though they stated ) it verified. 
Violated my consumer rights via FCRA 623 ( a ) ( 3 ).

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 2023-10-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Failure to report accurate and factual information. 
Also failed to investigate ( even though they stated ) it verified. 
Violated my consumer rights via FCRA 623 ( a ) ( 3 ).

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 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
This complaint pertains to the practices of Block, XXXX XXXX, a company frequently getting in trouble with the CFPB. 

I received a call from a scammer who stated she was from my cable company and would give me a discount in exchange for a {$190.00} fee. I paid the fee via credit card and the charge said " XXXX XXXX XXXX XXXX ''. 

As this was a scam I tried to reverse the charge with my credit card company. Block refused to refund the money despite my offer of evidence ( including a recording of the call ) that the caller and account user was a scammer. 

That is, not only did they refuse to refund my money, but they refused to investigate the fact that their payment platform was being used for wire fraud. 

Block supplied information stating that the merchant in question was named " XXXX XXXX '' ( short for XXXX : - )? and was a taxicab and limousine business. 

I question how they would allow a taxi business to use the merchant name " XXXX XXXX '' unless they knew and didn't care that this would be used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XXXX, Wells Fargo Home Mortgage reported to one of the major consumer reporting agency i.e. XXXX THAT my alleged mortgage balance = XXXX ; ( I have a copy as evidence ) ; In XXXX, Wells Fargo Home Mortgage Wrongfully foreclosed my primary house... 
XXXX XXXX XXXX XXXX. 
XXXX, Oregon XXXX Market Value = {$420000.00} ; I am open to negotiating a discounted offer on my Claim, to make me " Go Away ''

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 2023-10-18 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: LA

Complaint narrative:
I financed a used vehicle from XXXX XXXX XXXX in XXXX  and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made 24 on time payments which is more than the cost I agreed to finance. I have contacted XXXX XXXX, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an XXXX XXXX is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed APR becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )

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