vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 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 non-monetary relief
Consumer complaint received 2023-10-04 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: Experian Information Solutions Inc.
State: FL

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 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX  I received an email saying that I was approved and will attain a product change to the Chase Unlimited card. This was done without my knowledge since the product change was never confirmed with me as the purchaser of a Freedom card. 
After receiving the email, I called Chase at XXXX and spoke with XXXX XXXX. He told me there was no " Opt Out '' and no " Opt Back In '' for the product I originally purchased and approved for from Chase. I was told that these changes were done in batches. However, I was never notified what batch I was in and no proactive measures were taken with to see how this change would affect my finances. This is my oldest credit account and will severely affect my credit history given the product change. I expressed during my phone call that I did not apply for the Unlimited card and I have no interest in changing my product. 
This is not an upgrade as the email I attached states, this is a downgrade. The false narrative that I am a better product is scary due to the lack of data and information to back up the claim of an " upgrade. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENTAGON FEDERAL CREDIT UNION
State: OK

Complaint narrative:
The mortgage was paid down to well below the required 78 % XXXX and the response from the lender that my loan XXXX not qualify to remove PMI without certain requirements??

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 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion experience and XXXX XXXX have violated my consumer rights. In order for another consumer, Agency to get information from another consumer, Agencywritten permission must be given. I'm going to write down the violations that I feel that They Have done consumer companies have violated my rights.15uscod 1681B2 & 15uscod1681q & 15uscod 1681c2 I have wrote XXXX next 3 times and had it. Notarize If they Can I give me the documentation that they have permissible purpose? Then I need to delete the bankruptcy.

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 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had funds, in a Wells Fargo Account, to bring loan current. But, was repeatedly told it was too late, just to forget about the property. I have a ATM receipt with the account balance showing I had funds available. All I needed was the wiring instructions and address. Ironically I see the Wiring Information Now, has been made available at online Banking. I had other funds on hand when I took this balance snapshot.

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 2023-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am a victim of ID theft, LVNV FUNDING LLC and various debt collectors associated with them called me multiple times since late 2018 about a credit card account opened with XXXX  XXXX XXXX  and demanding me to pay the past due amount of {$2000.00}. Since then Ive reported them as this is a FRAUDULENT ACCOUNT and I have provided the police report to them as well. I have also spoke with XXXX XXXX XXXX  fraud department and have reported about this however was no help as well. LVNV FUNDING LLC hasnt taken a needed action and forced me to make a payment on this fraudulent accounts which Ive refused and resulting in debt collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX  has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXX XXXX corporation. I called XXXX XXXX and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXXXXXX XXXX has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXX XXXX corporation. I called XXXXXXXX XXXX and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: MO

Complaint narrative:
XXXX XXXX has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXXXXXX XXXXXXXX XXXX I called XXXXXXXX XXXX  and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Approx. XXXX of XXXX  JPMCB called me and told me that I had a credit card that had an overdue balance. At the time of which they called me I told them that I don't have one of their credit cards and still don't have one of their credit cards. They said it was me until I told them that I wanted proof that I signed up for the card and I hadn't heard from them since. Until Late XXXX of XXXX  I recieved an e-mail telling me that JPMCB had put this back on my credit report. I disputed it through XXXX twice and I can't even call JPMCB because when I do their automated phone messages ask for the last 4 digits of the credit card ... .PRETTY HARD WHEN I DON '' T HAVE THE CARD!!!! I can't even contact them about removing it off of my credit. Nobody wants to help me combat the high priority corporate businesses that can ruin your credit in a heartbeat especially when this isn't mine!!! I pay all of my bills including the credit cards that I have and ON TIME! Look through my credit history! I will be contacting a lawyer if this doesn't get off my credit report! They have no business putting these things on someones credit report unless they can prove it is mine, and they have no proof that it is mine. I want to see when and where this card was used and by who's signature and/or computer, telephone, tablet, etc!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX I have not received in any compacity an updated credit report. I have asked for a report to be sent to the address that is on file ( even when being told they have none of that information ), it's on my personal information when I go into my account on the Experian app. I have been doing what I can and know to rectify the situation. My attempts to get in contact with anyone who can resolve any issues have been met with multiple transfers and end up getting hung up on which is very unprofessional. I have a witness to my many frustrations with getting any and correct information.

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 2023-10-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX - On the same branch visit WF opened a new account for me to protect me against fraud and my funds were transferred to a new WF account. Within one month of opening this new Wells Fargo account - unauthorized wire transfers and debits were taken from my account. Wells Fargo identified the individual who I have no affiliation with or knowledge of. WF refuses to indemnify me and provides no explanation

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 2023-10-04 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: NY

Complaint narrative:
I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called XXXX and they told me I had to report this on here as well.

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 2023-10-04 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: NY

Complaint narrative:
I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called XXXX and they told me I had to report this on here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I sent two money orders each for {$1000.00} in XXXX of XXXX to be applied to principal. When I got my XXXX statement and that payment didnt show I contacted them and they said they didnt have it. I contacted XXXX XXXX and they provided me with copies of both and back of the cashed orders. I forwarded them to the servicing company. They have them on file and still nothing has been done. They have had the copies, which both clearly show my account number, address and signature since XXXX of XXXX. I have contacted them on more than ten occasions and get the same response every time, we are looking for them. I have asked to speak to whoever is looking for them or a supervisor or anyone else that might help me and am told that they cant do that. The last person I talked to said they were probably applied to the wrong account and they would have no find that before they could apply it to mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: GA

Complaint narrative:
The account for XXXX XXXX XXXX is committing a blatant violation against me and needs to be removed ASAP immediately. I have attached screen shots proving EXPERIAN is lying about verifying the balance for this alleged debt. The first screen shot shows EXPERIAN reporting a balance of {$3400.00} on XX/XX/2023 and a balance of {$3400.00} on XX/XX/2023. Delete this account for violation because you reported one balance on XX/XX/2023 and a different balance on XX/XX/2023. The balance can not change on a closed account proving no investigation was done and EXPERIAN and XXXX XXXX XXXX  are lying and will be liable for willful non compliance.

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 2023-10-04 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: TX

Complaint narrative:
1. No contract signed between XXXX XXXX XXXX and I. 

2. No proof of notification of alleged debts, not even letters. They claimed they sent letters but have not provided proof/copies. THEY should be required to show copies of returned mail or emails. 

3. Also, the address showing for XXXX DOES NOT BELONG TO ME. I never lived there! Mind you I have a very common name! 

So you have no proof of contract with XXXX, no proof of notification from XXXX to me, and an INVALID address but have decided to keep them on my report?

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 2023-10-04 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: NY

Complaint narrative:
On XX/XX/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 computer-generated 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 White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; 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 Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. NovXXXX 14,1995 ), 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: CA

Complaint narrative:
I am writing to formally dispute an inquiry that was reported on my credit report on XX/XX/XXXX. I would like to emphasize that I never applied for or authorized this inquiry, and I believe it is inaccurate and lowered my score to due to this. I have called XXXX as soon as I saw that it was being reported and have been in contact with their customer security department and was provided case # XXXX and application # XXXX ( XXXX XXXX ) and they told me that as of XX/XX/XXXX a request was submitted to confirm there was no inquiry or application but it still shows on my credit report as of today XX/XX/2023. Contacted XXXX one more time XXXX and there is no letter or email they can send to confirm that the correction was submitted on XX/XX/XXXX. 

I have thoroughly reviewed my records, and I can confirm that I did not initiate any application or request that would have led to this inquiry on the mentioned date. Therefore, I kindly request that you investigate this matter and remove the unauthorized inquiry from credit report as soon as possible. 

I understand that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up to date information on my credit report. This unauthorized inquiry is not only affecting my credit score but also causing undue stress and conern.

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