vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
A person open a electric account on the state of Texas, the electric company name is XXXX XXXX the dates where between XXXX and XXXX on 2022 they default XXXX dollars that went into my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The problem is about my Chase purchase on XX/XX/XXXX for an amount of {$1600.00} cash plus XXXX points through Chase Ultimate Rewards of a hotel order. 

The problem is caused by that we were assigned a room type that is different from what we reserved ( Because I was traveling with a new girlfriend, we paid for 2 bedroom suite ). But during the checkin, the assigned room in the system is a room type : XXXX, one bedroom suite , which was different item and price in the website. 

During my checking in on XX/XX/XXXX around XXXX : I asked for help from Chase Travel XXXX The specialist refused/ failed to provide any solutions and hung up my call... Then, I immediately called the number on my CHASE card, and mentioned my unsatisfying experience. The solution was provided that I can get the cash refund and we can still stay at the hotel after checking again with the bank. 

Now, the dispute team refuses to dispute the transaction and refuse to take any solutions for this. 

Please don't hesitate to let me know if you need anyting. 

Best, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
FRCA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX Violation: credit card never late XXXX XXXX XXXX XXXX XXXX  Violation: credit card not mine XXXXXXXX XXXX  
FCRA Violation: student loans never late XXXX XXXX  
FCRA violation: collection not mine
Original creditor 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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: AZ

Complaint narrative:
In XXXXXXXX of XXXX  I had a baby. Over the course of multiple visits with my doctor, I proactively paid for my hospital bill in full. 

More than a year after giving birth, I began to receive collection calls regarding my hospital bills. I asked for an explanation but received none. I was told I needed to contact the medical center directly to be able to release that info. 

I did so. Multiple times. Left messages. Asked for a bill. My husband did the same. No response. 

We are now 3 years and 4 vendors into getting collection calls and letters for a debt of {$1600.00}. I have disputed the debt each time the account has been sent to a new collection agency. After requesting my validation of debt, 2 of the 4 agencies provided an email to request a copy of the itemized statement or billing form. I first did so within the allotted time frame on XX/XX/XXXX. I received the exact same form today stating I need to fill out the exact same request when I received nothing from them from the request on XX/XX/XXXX or any of the other times I have requested documentation. 

At this point, there have been so many violations of my rights under the FDCPA, the service provider is lucky I haven't hired an attorney to pursue damages regarding their reckless effort to collect this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hi CFPB Team, I have been trying to resolve this account issue with Transunion, XXXX, XXXX as well as DPEDXXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, XXXX, Experian as well as DPEDXXXX, but to no avail. I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. This is my last attempt to dispute this before taking legal action towards these bureaus.

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 2023-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
In XXXX or so I contacted XXXX that my Mom had died and I need to do something about the loan ( the XXXX ) to get a lower payment. They granted me a modification, and then sold the loan to XXXX Mortgage Servicer. Shellpoint then started the whole process over again putting me through all the same paper work I had just been through, telling me too that all I needed to do after they got the loan was to make the 3 payments to them for the new loan, which I did and on time. But XXXX still put me through all the hoops and then started sending out statements and modifications that were incorrect, including sending out their notary, that did not sign and or stamp in the correct space. I got a Covid Forbearance and continued to speak with XXXX and had already done a Modification with SLS on the 2nd for the home. That was easy and SLS extended the loan and reduced the payment for me. Then I got paper work from XXXX, I signed the modification and had it notarized and witnessed here in XXXX and put it back in their pre paid envelope and sent it back. I never heard from XXXX. But, they accepted the modification paper work. Some time in XXXX Selene came on the seen, and I was then told that Selene had the loan, Selene took over and made me do all the paper work over for the modification again even thought I told them I had a modification with Shellpoint but none the less once again another pile of docs only this time I spend {$2000.00} with Attorney mortgage Services thinking they might help me. Only to then have Selene turn down my loan. Selene then made demands that I give them {$100000.00} to reinstate the loan of they would foreclose. I continued to try and work with Selene but they won't listen. Then I was told my home was slated for a Sale XX/XX/XXXX foreclosure. I spent XXXX; XXXX on XX/XX/XXXX with XXXX XXXX ( badge # XXXX ) on the phone and he located the modification given to me by XXXX. Selene had already admitted that they would have to honor any agreement given by XXXX to XXXX and then XXXX given to them. XXXX gave the modification to his boss, on that day and I discovered on XX/XX/XXXX that they started to work on the paper work for my modification. I tried calling and showing Selene 's Insurance department that I have insurance but they just ignore me. Same as XXXX did and the force put insurance on my home. Under the Covid forbearance law, I believe that there are not to be any added penalties etc. on loans during this period. Yet Selene and XXXX have done both. XXXX refused to give me a copy of my modification when I called them, and when I call Selene all I get is the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My insurance company alerted me that my credit score had gone down so they said to look into it, otherwise it could affect the cost of my car and home insurance. Always paying my bills on time including my insurance, a red flag went off, I always a near perfect score. So they got the report from XXXX XXXX and I started with them to find out what was going on. They gave me the report and there was numerous mistakes, including an address that never belonged to me, they even said there was a auto device on my car, recording how I drove. There was no such device on my car so how could anything be recorded. Best part my wife drives that car and it's hardly driven, yet they had a daily record of stoping braking.But the most harmful was a loan and a credit card in default for a long time and it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY. XXXX. We never heard of this XXXX XXXX and wondered how it was on my report. I called them up and asked them what this was all about. They could not find anything under my name, or social security # as an account Also I gave them a partial acct. number # XXXX listed on the report and they said there was nothing, they couldn't find a loan or credit card at all. I called back XXXX XXXX and they were supposed to look into it. They sent me some of the things that were removed but nothing on that. So far they haven't done anything about it. Needless to say it also is on Experian and all the credit report Companies and none of them are removing it from my credit report. I even wrote the head of the XXXX XXXX, which they said to write to, and no answer back. Apparently someone used my name to open this account under to get a loan and a credit card, but why am I having on my report and no one knows why. 
I've argued with everyone to remove it because it is going to hurt everything I try to buy. 
Please help if you can, I don't know what to do anymore.

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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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 XXXXXXXX, and Account name 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 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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
FRCA Violation: address not mine XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: credit card never late XXXX XXXX XXXX XXXX  
FCRA Violation: credit card never late XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine XXXX XXXX  
FCRA Violation: student loans never late
XXXX XXXX

FCRA violation: collection not mine
Original creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
FRCA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX  
FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX  
FCRA Violation: credit card not mine XXXX XXXX

FCRA Violation: student loans never late
XXXX XXXX

FCRA violation: collection not mine
Original creditor 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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Hello, I submitted an inquiry for activity that was not authorized. I tried to resolve this with the Affirm and submitted the form on the website on XX/XX/XXXX. I followed up after 7 days ( when they were supposed to respond ) on XX/XX/XXXX and again on XX/XX/XXXX. I tried to call in and was not able to obtain help as none of the call center reps spoke clearly enough for me to understand anything at all. 

On XX/XX/XXXX I received a refund of XXXX but this was not the full amount. The issue resides with the system at XXXX and I have tried to resolve this many times with the owner and XXXX and affirm to no avail. The owner had intentionally held the property so that no others could book it, even though I had cancelled on time. They stated that they have policy where if they have someone else try to book it and they are holding it then they will keep the loss- which is not fair if they have the ability to do this at their own will. 

Moreover, this is not a credit agreement or terms that I would ever agree to, there was no consideration or exchange of benefit between myself and this owner or XXXX in anyway. XXXX had advised that they received no benefit out of this. 

I have not received anything in the mail or email, and this is still pending and is going to charge me should a payment not be made to this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: MT

Complaint narrative:
I had been pre approved for credit cards on credit carma and then decided to try and get it so it would help my credit score. It then denied me and went on my score as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are inquiries from companies with whom I do not have open accounts with on XX/XX/2021. I have contacted these companies and Transunion to remove these items but items have not been removed per my original request.

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 2023-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
During COVID-19 I was XXXX for couple of weeks. And my job shut down I'm a XXXX so every hotel 's and every restaurant was down.

Company response to consumer: Closed with explanation