vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 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: NH

Complaint narrative:
XXXX has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.

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 2022-10-11 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: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NH

Complaint narrative:
XXXX has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.

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 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have credit inquiries listed on my consumer reports I have no knowledge of nor given permission for my credit to be pulled. I have tried reaching out to the creditors by phone and also mail only to receive nothing in return.

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In XXXX of this year my entire family got XXXX. Because our kids were very sick too. My wife and I were out of work for weeks. My entire family wasn't back to work/school until the middle of XXXX. In XXXX of 2022 we applied for the XXXX  program to help us pay for our mortgage payment. We were told back in XXXX of 2022 that we were in the last stage of our application. But when XXXX came and we had not heard anything from the XXXX. We decided to find out what was holding up the application. We found out that XXXX sent a form over to our mortgage lender on XX/XX/2022. Our mortgage lender never received that email. After spending three full days trying to get both side to communicate. My mortgage lender finally wrote an email to XXXX  on our behalf asking them to resend the email. On XX/XX/2022 XXXX resent the email and my lender confirmed that they received it. And the lender filled the form out and sent it back to XXXX  that same day. My lender states that they were verbally told that we had been approved. And that they even told my lender a dollar amount. My family and I had been paying our mortgage loan biweekly for a few months now expecting the XXXX to start any day. On XX/XX/XXXX our mortgage went 30 day pass due for the first time ever. And I do believe that it is not fair or legal. Not only did my wife and I have a payment arrangement with our mortgage lender to pay ever two week. They were also fully aware of the XXXX  miscommunication because of us, If my wife and I had not decided to make any attempt to solve the hold up, we could have been stuck in limbo forever. P.S it is XX/XX/XXXX and we still have not received any help from the XXXX program. We applied in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: NC

Complaint narrative:
There is wrong information on my reports which are causing financial harm to me and my family. I have sent out XXXX  of XXXX to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account 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 non-monetary relief
Consumer complaint received 2022-10-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is wrong information on my reports which are causing financial harm to me and my family. I have sent out XXXX  of XXXX to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX Account 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 2022-10-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collections accounts and personal information on my credit report that are reporting inaccurately and need to be investigated. I have reached out to XXXX and TransUnion on multiple occasions through the mail and by phone, requesting them to investigate the accuracy of the accounts, and they have not responded or resolved the matter. To be exact, I've sent eight letters in the past 12 months asking for a verification of these accounts. I have not received a response email or letter from this credit bureau informing me that an investigation has occurred or a resolution. Please help me resolve this matter. I am exhausted by this company and highly disappointed in how they are ignoring me.

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 2022-10-11 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: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
To whom it may concern, I am contacting you in regards to a digital check that was sent to Chase Manhattan Bank. The check was sent by XXXX XXXX to pay off a debt I have with XXXX Bank in the amount of {$2100.00}. The check number is XXXX. Chase Manhattan Bank cashed the check on XX/XX/2022. 
I have tried to resolve the issue at hand with Chase Manhattan Bank and with XXXX XXXX. I do not have an account with Chase Manhattan Bank or any bank that is affilated with Chase Bank. I had contacted XXXX  XXXX on XX/XX/2022 after waiting more than 15 days after the balance tranfer application had been done, and the Customer Service Representative informed me that the check was cashed and proceeded to give me the check number, the date it was cashed, and that it was sent to Chase Manhattan Bank. I contacted Chase bank on XX/XX/2022 to find out if I had an account there and if the money went into the account. The representative told me that the account number I gave him did not connect with Chase Bank and he did not know how to help me figure out where the check went to. I called back on the same day XX/XX/2022 and spoke with another Cudtomer Service Representative. She told me that I had to speak with XXXX XXXX about getting a refund because they could not give me a refund. I called XXXX XXXX back to inform them of the information the Customer Service Representative from Chase Manhattan Bank had given me. The XXXX XXXX representative opened a ticket for XXXX XXXX to investigate the situation and told me that the investigation could take 30 days minimum. XXXX XXXX also put in a ticket for me to get a copy of the check. 
I called XXXX XXXX on XX/XX/2022 to check in on the investigation and I was told by the representative there was no update at the time. I contacted XXXX XXXX on XX/XX/2022 to see if there was an update on the investigation. I was told by the Customer Service Representative that the invistigation is still going, but they sent me the copy of the check and that I was to contact Chase XXXX  XXXX XXXX in order to get my refund. I was also informed by the XXXX XXXX Representative that since the check had already been cashed there was nothing they could do and I was the one who had to take the steps in order to get a refund. If you could please look into this refund I will be greatly appreciative. 

Sincerely, Frustrated Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
When logging into Experian 's site in order to temporarily lift the credit report freeze, the first page shown after login is a page that gives rise to the appearance that in order to continue I must enter payment card information to " Upgrade Your Account ''. This is yet another grossly misleading, shameful attempt from Experian to scam people it shouldn't have any control over in the first place.

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 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TN

Complaint narrative:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
REFERENCE CFPB COMPLAINT NO. XXXX CREDIT REPORTING AGENCIES CONTINUE TO BE IN VIOLATION BY NOT DELETED ERRONEOUSLY REPORTED INFORMATION. 

PLEASE SEE ATTACHED DOCUMENTS. YOU WILL SEE WHAT THE CREDITOR SHOWS AS PAID AND WHAT THE CREDITORS REPORT AS LATE. BIG DIFFERECNE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: NY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I have a negative balance in my Google pay. I do know know who is responsible for it, I have never borrowed money from Google I always pay with one of my debit card. You can check my history of payments over the years I have been playing games. I don't know who might have done this or how. I have been telling y'all this for over a year at least. I no longer make any purchases for my games because this negative balance. Please check my payments from many other times u can see I always pay with one of my debit cards. I have never been given any money r borrowed money from Google pay. Please get this straightened out. I am getting very upset about this because I have addressed this issue many times with Google. I will not pay for a balance I'm not responsible for. I will no longer play any games r make anymore purchases. I have spent XXXX of dollar in Google why would mess that up I am a daily player and have been for years. You can look at my history of payments and it always payed with one of my debt cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are reportings of an inaccurate balance on two accounts that have been closed and charged off since XXXX of 2019 and XXXX of 2019. Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these two accounts are inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Why is this on my credit file, I have disputed with no response back. I do not recall this account, please have this company remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TX

Complaint narrative:
REFERENCE CFPB COMPLAINT NO. XXXX CREDIT REPORTING AGENCIES CONTINUE TO BE IN VIOLATION BY NOT DELETED ERRONEOUSLY REPORTED INFORMATION. 

PLEASE SEE ATTACHED DOCUMENTS. YOU WILL SEE WHAT THE CREDITOR SHOWS AS PAID AND WHAT THE CREDITORS REPORT AS LATE. BIG DIFFERECNE!!

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 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XXXX XXXX chip picked stole by XXXX XXXX XXXX XXXX XXXX XXXX XXXX judge agreement dissolved marriage agreement made by XXXX XXXX XXXX latter XXXX XXXX  issue by XXXX XXXX ruined my XXXX XXXX account had to pay more over XXXX along with filling civil rights with XXXX XXXX  XXXX lost stolen items

Company response to consumer: Closed with explanation