vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: NC

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 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 2023-09-15 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: NY

Complaint narrative:
This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-15 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: OneMain Finance Corporation
State: OK

Complaint narrative:
I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Received card XX/XX/XXXX. Use card XX/XX/XXXX via XXXX XXXX in person for groceries. Used card via XXXX XXXX online on XX/XX/XXXX ( XXXX XXXX ). The card 's initial amount was {$400.00}. There is a balance remaining of XXXX. Tried to use the card on XX/XX/XXXX online at XXXX ( purchase declined ). Attempted the XXXX XXXX purchase of {$240.00} in person ( XXXX attempts ) using XXXX. The payment was declined. The same day, XX/XX/XXXX I attempted to use the card at XXXX in XXXX XXXX since I was able to use the card at this location on XX/XX/XXXX for {$86.00}. Make 2 attempts, payment method declined. The customer number on the back of the card does not give you a live person. XXXX a different number and was able to speak to a person who said that my card was active and showed a remaining balance of XXXX. He was unable to explain why an active card with a remaining balance continued to be declined. He continued to read irrelevant information that was scripted. Note the declined charge did not show up on the statement. However, I attempted online on XX/XX/XXXX and that charge is pending, I asked for a written response via email. Through research, I see this is not an uncommon issue with AMEX gift cards or the awful customer service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 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 that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MN

Complaint narrative:
The CFPB complaint ( XXXX ) was closed before you actually looked at the account history for the late fees being applied. In your response you stated that partial payments are passed into a suspense account until the full amount to be paid for the month is received. This is not what happened. If you had actually looked at the account history for the complaint of late payments you would quickly see that you had placed {$600.00} into suspense then applied {$550.00} as additional principle. The amount owed for the month was then {$1000.00} because you didnt apply anything to the monthly balance. You would think it would be pretty obvious that if the monthly payment was not yet paid that that is what the payment is supposed to be for, and not additional principle. And because nothing was applied to the monthly payment you took it out of the next months payment, causing that month to be late. then you did it to the next month and so on... 

You also missed the issue regarding why the payment was 30 days late for the bankruptcy. It was late because YOUR COMPANY WITHOUT NOTICE TOOK AWAY OUR ABILITY TO PAY! When we CALLED YOUR COMPANY REFUSED TO REACTIVATE OUR NORMAL PAYMENT METHOD IN ORDER TO PAY ON TIME. This caused us to be 30 days late as we had to send the check by mail because again you refused to let us pay how we paid for a year or two upto that point!!! IT WAS YOUR REFUSAL OF PAYMENT THAT CAUSED US TO BE LATE. YOU WITHOUT NOTICE DEACTIVATED AN ACCOUNT THAT WE USED TO MAKE PAYMENTS FOR OVER A YEAR THEN REFUSED TO REACTIVATE IT WHEN WE CALLED MAKING IT IMPOSSIBLE TO MAKE A PAYMENT ONTIME.

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 2023-09-15 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2021. 
Inquiry from XXXX XXXX on XX/XX/2021.

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 2023-09-15 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: PA

Complaint narrative:
This is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-15 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: CORELOGIC INC
State: IL

Complaint narrative:
XX/XX/2023 XXXX shows an an inquiry on my credit report This was unauthorized and I didn't request any of this company 's services.

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 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
The Claimant Terminated A USAA Federal Bank Checking Account {$350.00} by Final Disbursement by XXXX Mail and is Currently Investigating Fraud with XXXX XXXX XXXX  XXXX Fraud Department XXXX NC A Fraud Department Investigation is Currently Under FBI Investigation with An Unresolved {$12.00}. 50 Illegal STOP PAYMENT FEE that USAA Bank Fraud Agent is Investigating illegal Third Party Anti Trust ViolationXXXX XXXX XXXX XXXX XXXX New York NY The Claimant has Not Resolved this Character Assignation Malicious Financial Attack for THREE Years and Requires USAA Federal Savings Bank Investigate Fraud Waste and XXXX with Texas Attorney General XXXX XXXX Immediately! 
Investigate With Impunity XXXX XXXX XXXX XXXX DUE PROCESS of LAW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is completely inaccurate. 

XXXX XXXX XXXX XXXX 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 2023-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This Information is Incorrect XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This Information is Incorrect XXXX XXXX XXXX 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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$650.00} XXXX  XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXXXXXX XXXX a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-09-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$650.00} XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I oppose the findings you wrote about my complaint, you failed to address any of my concerns, especially the one that I can not afford the repayment plan. I filed a second complaint because I feel that the following points that based my complaint was totally missed and all you did was make yourself look good in the eyes of the Consumer Protection agency. 

In my second complaint, I let them know that the repayment plan is a total mistake, it was based on wrong information such as income and expenses. 
I emailed SPS a new income and expense worksheet which they totally ignored. 
Another factor is that SPS totally ignored my hardship, currently I am suffering from XXXX and XXXX  XXXX XXXX which caused my income to decrease, SPS did not even mention this. 
They never addressed the facts in why my assistance was withdrawn and why I am ineligible for other options. 
SPS never offered me any new plans or options for me to keep my home, all they do is blame it on the case and desist letter, but the fact is that they keep emailing the same old dumb letters that are absolutely worthless. All they are doing is emailing me repeat letters every day of the week. I send them all back because they do not offer me any kind of hope. 
Why did SPS not honor my XXXX assistance application which has now impacted my life and well being Finally, I think SPS is setting me up for failure and wants me to accept a repayment plan that is incorrect and based on wrong information. I can not accept this plan when its constructed wrong. 
All of these delays are adding extra stress which I do not need, why doesn't SPS offer me a new option so we can resolve this issue as soon as possible. 
If XXXX rejects this complaint, then I forced to keep on writing to them and other agencies, see attached complaint letter.I am suffering from XXXX and received the attached XXXX letter that SPS does not offer any help ( see attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Credit card was fraudulently opened in my name with XXXX on XXXX. Initial dispute reported XXXX, reference # XXXX, when I was made aware of charge off. I was told that it would be resolved and removed from my credit report, was removed from XXXX and XXXX but not experian. Filed another dispute with experian and XXXX  XX/XX/2023, no communication from XXXX  and experian dismissed my request. Filed identity theft report to federal trade commission XXXX, FTC report # 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 2023-09-15 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: PA

Complaint narrative:
This is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-15 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: Nelnet, Inc.
State: FL

Complaint narrative:
Under the 15 U.S.C. section 6801 code the DEPT OF ED/ NELNET XXXX XXXX XXXX XXXX, XXXX XXXX have violated my rights. At no time did I give them rights to share my information with any third party company. Nor was I offered the opportunity to allow such. There are 8 accounts open dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are being shared unauthorized.

Company response to consumer: Closed with explanation