vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.

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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm disputing some accounts on my credit report due to identity theft. Other bureaus removed them, but yours hasn't. Creditors promised to fix it, so please remove the accounts ASAP.

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 2024-02-02 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: KY

Complaint narrative:
This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your file as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: KY

Complaint narrative:
This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your file as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. 
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

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 2024-02-02 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: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I asked Experian to report 1 address and 1 name and 1 phone number and 1 birthday 5 times, 5 times Ive asked for this and they update things incorrect to still keep old info linked to debts which shouldnt appear in the first place in order to keep my credit score low this is corruption, fraud, misinformation, deception, FCRA VIOLATIONS and 100 some days now, this is causing me serious harm. 

Serious Harm : means harm, whether physical or non-physical, economic, or reputational, to an individual, which would compel reasonable individual of the same background and in the same circumstances to perform or continue to perform labor or services or XXXX activity to avoid incurring the harm :

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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm disputing some accounts on my credit report due to identity theft. Other bureaus removed them, but yours hasn't. Creditors promised to fix it, so please remove the accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX2024 I when to XXXX to request a free annual credit report from Equifax. I entered the correct information but, when I reached the verification stage, Equifax sent me a useless verification code email. ( There was no code in the email, it simply claimed to be sending me a code. See attached example. ) This happened again when I tried to have it re-sent. I then tried calling to speak to an agent. After entering all kinds of information into the telephone automated system, I was told they were unable to complete my call and that I should write to them. 

I went back to the XXXX website and was able to immediately get my free credit report from XXXX. Apparently Equifax doesn't want to respect the law and provide me with the credit report to which I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: NY

Complaint narrative:
Date Opened XXXX XX/XX/2017 My report includes accounts with a reported name that is different from mine. I don't recognize the account in question. The report shows I owed money to an account that is not mine. The current status of my account is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I requested to have the non-mailable address ID # XXXX to removed. 

I requested to have inquiries that I do not have active accounts.

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 2024-02-02 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
We had a financial hardship that started in XXXX were having trouble paying our mortgage to Wells Fargo Home Mortgage, but we never missed a payment because we were draining our retirement funds and getting assistance from family members. We first requested mortgage assistance in XX/XX/XXXX but were rejected because " Your current financial situation does not meet the requirements for a loan modification. '' We again requested mortgage assistance in XX/XX/XXXX. We also requested a short sale in XX/XX/XXXX and were approved on XXXX XXXX, XXXX. Another request for mortgage assistance in XX/XX/XXXX was rejected. In XX/XX/XXXX we requested a deed in lieu of foreclosure. In XX/XX/XXXX we sent a Homeowner Assistance Form, reiterated our hardship and had started accepting short-sale offers. In XX/XX/XXXX we also let Wells Fargo know we no longer wanted to pursue a deed in lieu but would like to continue with the short sale process. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Wells Fargo approved our pursuit of a short sale with authorization to list the house for {$360000.00}. We received XXXX offers for short sale ranging from {$360000.00} to {$380000.00}. Ultimately, Wells Fargo rejected each one and we were forced to go through foreclosure and bankruptcy. Until that point, we had never missed a mortgage payment because we drained our savings accounts and were receiving financial assistance from family members.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate employment

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 2024-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On the company 's website they state that the CD holder has a 10 day grace period following the maturity date. When I tried to close my account two days after my maturity date ( the day before their website was down ) XXXX XXXX XXXX XXXXXXXX XXXX said because I told the bank to renew the account, they renewed it, which is fine because that is what I thought was fine. The reason for waiting is to find out what the update interest rates will be. They mention on their website that it is XXXX  at maturity date. I decided I did not like that rate and wanted to close it. When I called to close my account they said that I will receive an early withdrawal penalty which is not what is written on the website. When talking with XXXX on the phone he said that I had the option for the bank to do nothing with my money until maturity date but after 10 days the bank will automatically renew my cd with the current rate. Therefore, my complaint is about the inaccurate information on their maturity date process. It is misleading and at the end of my term, I ended up having to pay a penalty for an action that was very unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm disputing the late payments status on my credit report for certain accounts due to a system glitch in the creditor 's system. They admitted the mistake and agreed to correct it to a positive status. Please update my credit report accordingly. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm disputing some accounts on my credit report due to identity theft. Other bureaus removed them, but yours hasn't. Creditors promised to fix it, so please remove the accounts ASAP.

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 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm disputing the late payments status on my credit report for certain accounts due to a system glitch in the creditor 's system. They admitted the mistake and agreed to correct it to a positive status. Please update my credit report accordingly. 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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
In the Fall of XXXX, Federal Student Aid/Department of Education ( FSA ) notified borrowers via message on their website about the timing of income recertification for borrows in income driven repayment plans. This message stated that borrowers would not need to recertify their income until at least 6 months after payments resumed from the Covid student loan payment pause. As such and according to the message from FSA, borrowers with a recertification date listed on the FSA website that was prior to XXXX XXXX XXXX  would have their recertification date pushed back by 1 year into XXXX. 

The date listed for all of my loans on the FSA website is XX/XX/XXXX, and the date listed as my recertification deadline on the MOHELA website is XXXX. Based on this information, my recertification date should be pushed out to XXXX. However, MOHELA is demanding that I recertify now. They claim the XXXX dates are " soft deadlines '' and they are using a " hard deadline '' of XX/XX/XXXX. This " heard deadline '' is not listed anywhere on my account, or has it ever been communicated to me. It also ignores the message from FSA that said the recertification date on the FSA website is the one to be used for this issue. MOHELA can not provide any information as to where the XX/XX/XXXX deadline comes from, or why they are refusing to follow the FSA guidance. 

Why is this important to my family 's financial situation? As many who are pursuing the PSLF loan forgiveness program and are on income driven repayment plans, I use this information to determine the best tax filing status for me and my family in order to reduce my loan payments. As a resident of a XXXX XXXX that received a special tax filing deadline extension due to natural disasters in XXXX, I wasn't required to file my taxes until after the FSA released the guidance described above. Therefore, I used this information to determine my family 's tax filings status. However, with MOHELA not following the FSA guidance, I will be required to use this tax information to recertify, and my payments will increase by over 1,000 % from $ XXXX to between XXXX XXXX XXXX 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 2024-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute and demand the immediate removal of inaccurate information from my credit report. Despite my efforts, the banks have been unable to provide supporting records. In a recent conversation, they verbally committed to rectifying the inaccuracies and removing the accounts from my credit file. 
Account Details in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against HSBC, the intermediary bank involved in a wire transfer from my XXXX XXXX XXXX account to my factory in XXXX XXXX. On XX/XX/XXXX, I initiated a wire transfer of {$35000.00}, and since then, HSBC has inexplicably held the funds without providing any valid reason or conducting necessary verifications. 

This unwarranted delay is causing severe constraints on my business operations and resulting in financial losses for both my company and the factory in XXXX XXXX. The lack of transparency and unethical practices by HSBC are unacceptable, and I request your prompt intervention to resolve this matter. They need to be held accountable and fined whatever money they earned off the interest of my money being in the possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief