vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In Accordance with the Fair Credit Reporting Act XXXX these accounts below has Violated my rights according to 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 Account : Note loan XXXX Account XXXXSecured loan Account  : Installment sales contract XXXX Account XXXX Auto loan Account XXXX Note loan XXXX Installment Account XXXX Credit card Account XXXXBusiness line personally Guaranteed Account : Auto loan XXXX Account XXXXSecured loan Furthermore, please provide the following 1.The Original Contract with my Signature on it 2.Creditor information ( Name, Address and Phone Number of Original Merchant 3The Payment History and Itemized Billing Associated with Each Account 4.Proof Of Ownership ( Proof That The Company Trying to Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.Thanks

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have been having trouble with Transunion for several years now with them not keeping things up to date on my report, reporting incorrect information, not providing my free credit report via XXXX, taking months to complete disputes and then not correcting the information and tonight I was told that they are taking too many phone numbers or addresses on your report and using it against you as credit criteria. Phone numbers and addresses have nothing to do with my credit especially since I have rented most my life and lived in several states and most the information they have on me like that goes back 30 years ago. Transunion is abusing their power and being given way too much control over peoples lives when they are not keeping up on the accuracy of what they are reporting. I have disputed an item multiple times that they are reporting as an eviction, even though I have sent them documentation from the company that originally reported it stating they filed the eviction in error and the court is showing it as dismissed. It is wrong what they are doing and they need to be shutdownI have no problems with XXXX and XXXX at allonly on Transunions Credit and Rental Reports. Please help us and shut them down.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following is reporting inaccurately to my credit. XXXX XXXX XXXX XXXX XXXX XXXX is reporting an account which is NOT ME or NOT MY LEGAL NAME. They are damaging my credit. My name is " XXXX XXXX '' NOT XXXX XXXX ... the account is tied to someone else with a similar name or address. They're also pulling my credit without permissible purpose. They are in strict violation of FCRA regulations. The credit reporting agencies claim this is verified. Not sure how they verified the info since it's not my legal name. I need the following account and all inquiries associated with this company removed from my 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 2024-07-24 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I ordered an item from XXXX and cancelled the delivery with the carrier. The item was not delivered and sent back to the shipper. Item requires signature normally. I disputed the charge because the refund process did not occur normally within the normal time frame the purchase was made 82 days ago as of XX/XX/year>

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/24 I sent a certified letter to transunion asking that my personal information be corrected, along with a copy of my drivers license, social security card and bank statement. My information was never corrected. I didnt receive any response at all. The letter was marked as delivered on XX/XX/24. I have attached a copy of the letter that was sent and the certified mail receipt.

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 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
We were in lender negotiations between two lenders. SoFi told us on a recorded line that we could pay for and schedule a home appraisal and get a full refund should we cancel before the scheduled appointment. The appointment was scheduled for XX/XX/XXXX at XXXX. On the XXXX, we emailed and requested to have the appraisal canceled. On the XXXX, SoFi indicated that they notified the appraisal team of cancelation. We followed up asking them to confirm we would receive a refund that same morning. Less than an hour later they confirmed we would receive a refund. Then later over the phone and on a recorded line, they informed us that they took it on themselves to actually not cancel the appraisal and just put it on hold without us ever requesting that. 

Later that same evening, the XXXX, we requested again to have this canceled before the scheduled appointment. The following morning you stated for a XXXX time that you were canceling the appraisal. It appears it was somehow not actually canceled until later that afternoon after the appraisal appointment and we only received a partial refund. 

SoFi offered to connect with the appraisal team to determine what caused the partial refund and we did not receive details back. I attempted to escalate my concern through their customer service contact us line and have not received a call back from a Supervisor but rather just an email from SoFi asking if we received our partial refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 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: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
Navy Federal CU {$75000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have 2 account reporting badly/ negatively on my report that was allegedly not me, i contacted the credit bureaus multiple times to dispute this account because it was not mines & all they did was verify my account which is still incorrect because that not even my address and not my accounts. So I reached out to the commissioners office of corrections because at the time of the alleged accounts that were opened I was incarcerated in the XXXX department of corrections for 5 years consecutively. The board / commissioner has wrote me back and sent me letters to back up my story on these alleged debts. Also I have my documentation for my lease of my apartment that I had within the XXXX of the alleged debt to show and verify that my address is indeed different from that address on the alleged debt. Also I have my identity theft report attached too. All of these documents I been sending to the bureau and nobody seems to get back to me. 

The alleged accounts that need to be removed are listed below & my information so you guys could verify me XXXX. XX/XX/XXXX {$96.00} Account # XXXX XXXX. XXXXXX/XX/XXXXXXXX {$450.00} Account # XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX SSN- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the evening of XX/XX/XXXX at XXXXXXXX XXXX Central Time, I went to the Chase ATM located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, with {$4000.00} to deposit. The ATM, Term ID : XXXX, took my {$4000.00} without depositing it into my checking account and did not provide any receipt. I immediately called the number displayed on the ATM, XXXX, to request a receipt or resolve my issue. I was told at that moment that no receipt was necessary and that I should call the next day to file a claim. To prevent my money from being stuck in the ATM 's dispensing slot and possibly taken by someone else, I immediately withdrew {$100.00} from my checking account to ensure no money was stuck. After filing a claim the next day, Chase did not return the money to my checking account as promised and instead told me to continue waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inaccurate information regarding the account listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report ( File Number : [ Your TransUnion File Number ] ). This inaccurate reporting has negatively impacted my credit score, and I am requesting the removal of this account from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). 

The credit report erroneously states my last payment on this account was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This discrepancy represents a significant error in reporting that warrants the removal of the entire account listing.

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 2024-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX full class member Borrower Defense to Repayment Applicant number : XXXX ( full discharge date - XX/XX/XXXX ) Navient School Misconduct Application acceptance and discharge - XX/XX/XXXX I am formally requesting, as per the FTC Holder in Due Course law, a refund of all principle and interest paid on the three private Navient College Advantage Loans. These loans were XXXX on XX/XX/XXXX due to the School Misconduct of XXXX XXXX XXXX and, as per the FTC Holder Rule, I am eligible as the consumer to a refund of all monies paid under this contract. This totals, for the three XXXX XXXX loans, a total of {$96000.00} for all payments toward the original principle as well as all interest incurred and paid for during the contract held by Navient. As stated in the FTC Holder Rule, Navient is responsible by law to refund those monies to me upon my request. To date, Navient has only offered a one month refund of {$850.00}, which is not sufficient to the harms incurred by this illicit contract. As my School Misconduct application and Borrower Defense to Repayment applications have both been approved, this shows that the evidence I have in my possession more than proves the misconduct of my school, including specific proof of tax fraud by XXXX. As the current holder of the contract when it was discharged, Navient is now responsible for the full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: VA

Complaint narrative:
It's been such a long time that I have been trying to fix these errors that are being reported on my credit report yet my disputes kept getting ignored I already had enough, it is detrimental- negatively impacting my overall well being and my credit score which is not good for me and my financial freedom.

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 2024-07-24 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: FL

Complaint narrative:
I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant distress. Please correct this error without delay.

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 2024-07-23 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:
INQUIRES Creditor Name Date of XXXX Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX BANK XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian

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 2024-07-23 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 requested negative items to be deleted from my credit report, the credit Bureau di not respond in the given time and they did not respond in 30 days

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 2024-07-23 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: NY

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: OH

Complaint narrative:
On XXXX i had been searching for auto insurance through different websites and i had gotten quotes that were higher than i already was paying.I also got a notice that a company would not insure me based on my credit info from XXXX then went on their website and requested a copy of the info they have.The system they have would not give me any info and stated that i had given insufficient proof of my identity.They then sent me a letter stating the same thing.I gave them the following Full name, current address, with zip, current phone number with area code, full social security number, full dob copy of dl.They also say in their letter i can furnish 12 additional items of proof but i was not required to do so.So i want to know how am i supposed to prove to them my identity without furnishing additional documents that they say i dont have to furnish.I again want to reiterate no private companies should be allowed to gather citizens personal info for any reason especially to make money.Some day people will wake up but to the person reading this letter they have YOURS ALSO!!!!!!!!!! Should my info be kept as private as possible of course but remember they just supplied my info to a company with the same information they are telling me isnt good enough.You asked have i been in touch they are great at being too busy to receive phone calls.Thats why they have a dedicated consumer line so they can not answer it.I bet the sales line isnt busy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Company Name : Newrez LLC dba Shellpoint Mortgage Servicing Loan Transfer date from Specialized Loan Servicing to Newrez LLC dba Shellpoint Mortgage Servicing : XX/XX/XXXX My Mortgage loan transitioned from Specialized Loan Servicing to Newrez LLC dba Shellpoint Mortgage Servicing on XX/XX/XXXX. 

Since then I have made multiple calls and escalations to get access to my account with Newrez LLC dba Shellpoint Mortgage Servicing. 

I was on the phone with them multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and they keep on telling me that they have large volume of accounts that they have to manually migrate. 

It looks like they have been receiving a huge number of consumer complaints as they can not login to their new accounts on Newrez LLC dba Shellpoint Mortgage Servicing and make the mortgage payments as there is a penality if the mortgage payments are not paid with in the first 15 days. 

Till now I still don't have access to my account and they have given me a new case number XXXX today XX/XX/XXXX and was told I have to wait another XXXX days for resolution. 

It really is a bad customer experience to work with this company and I believe there are many people like me in the same boat that do not have the time to raise their voice and have time to write to CFPB. 

On behalf of everyone I urge CFPB to look into this matter and have proper resolution before it becomes a nightmare for all customers.

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 2024-07-23 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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