vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX OF XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX OF XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my dissatisfaction with the delay in addressing the open accounts issue. As a valued customer, I believe it is crucial to highlight the importance of timely resolution of such matters to ensure smooth business operations and maintain a positive customer experience. 

Despite my initial attempt to rectify the late open accounts, there has been a significant delay in addressing the issue. This delay has not only caused inconvenience but has also led to potential financial implications for both parties involved. 

I understand that mistakes can occur, but it is imperative to prioritize swift action to correct them and prevent any further inconvenience or financial repercussions. I urge you to expedite the process of resolving the open accounts and provide a clear timeline for its completion. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$81.00}.

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 2024-04-13 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:
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 these items. Your failure to positively verify these accounts and inquiries 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 2024-04-13 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: FL

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE Reporting all credit bureaus for data purposes ( and legal ) for the following regarding the handling of my credit files. 

XXXX ) XXXX, Equifax and XXXX accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me XXXX - XXXX XXXX XXXX  - should be deleted. 
XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXXt- should be deleted. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX  XXXX  XXXX credit- not late in XXXX of XXXX. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) And XX/XX/XXXX knocked my credit down XXXX points for a late payment that does not exist. 

Equifax- XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXXXXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX ) XXXX XXXX to include information from XXXX  XXXX XXXX XXXX failed to respond to all or nearly all disputes that issued the same responses to all disputes.DUPLICATE CLOSED. 

XXXX ) Equifax, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 

XXXX ) XXXX allowed XXXX XXXX auto loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 
XXXX ) Equifax, XXXX and XXXX did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead all Bureaus have put blocks in place preventing me online report access to continue to dispute enabling delay and access from supporting agencies. The XXXX XXXX XXXX website has also been blocked for all bureaus. 
Equifax XXXX department continues to ignore the requested access and their department continues to send documents denying access electronically since XX/XX/XXXX despite providing documents, court orders, drivers license and birth certificates authentication as XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
RE Reporting all credit bureaus for data purposes ( and legal ) for the following regarding the handling of my credit files. 

XXXX ) Experian, XXXX and XXXX accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me XXXX - XXXX XXXX XXXX  - should be deleted. 
XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX- should be deleted. 
XXXX XXXX XXXX XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) Experian XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) And XX/XX/XXXX knocked my credit down XXXX points for a late payment that does not exist. 

XXXX XXXX XXXX credit- not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXXXXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX ) XXXX XXXX to include information from XXXX  XXXX XXXX XXXX failed to respond to all or nearly all disputes that issued the same responses to all disputes.DUPLICATE CLOSED. 

XXXX ) XXXX, XXXX and Experian maintained information on my report as a consumer reporting to companies what was knowingly false : Example  XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 

XXXX ) XXXX allowed XXXX XXXX XXXX  loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 
XXXX ) XXXX, XXXX and Experian did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead all Bureaus have put blocks in place preventing me online report access to continue to dispute enabling delay and access from supporting agencies. The XXXX XXXX XXXX website has also been blocked for all bureaus. 
XXXX XXXX department continues to ignore the requested access and their department continues to send documents denying access electronically since XX/XX/XXXX despite providing documents, court orders, drivers license and birth certificates authentication as 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  account has been closed and paid in full since XXXX. This account was never late Ive been trying for years to get Transunion to correct this issue. XXXX XXXX  was more than helpful to resolve it. Im in the process of trying to get a new home loan and this solo account that is reporting XXXX late payment from XX/XX/XXXX needs to removed off the Transunion report and updated status to closed paid in full never late. As of now it shows closed/; was paid as agreed yet still leaving a late payment history which is false. Each time I contact Transunion I get the run around on why it has not been handled. This is now causing issues with my wife on how long this is taking to correct. This needs to be handled immediately by Transunion.

I have mailed and attached the information from the data furnisher from XXXX several times. XXXX has instructed all credit bureaus to correct this the only XXXX who hasnt is Transunion.

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 2024-04-13 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:
Recently I looked at my credit report and noticed there are still XXXX inconsistencies on my account. I disagree with the account listed below even after your investigation. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D. XXXX & Experian has failed to investigate this account properly after repeated attempts to have the account updating accurate information which have once again violated my consumer rights. The account shows a charge off listed on XXXX 2023, however there was a payment on XX/XX/2023 and the account was paid in full before charge off period on XXXX  2023. The charge off listed on XXXX 2023 is inaccurate along with multiple other inaccuracies. The accounts have NOT been updated. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Account number 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To officially notify Chase Bank XXXX, XXXX and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX XXXXXXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/13 ; the issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Filed XXXX  XXXX. Was misled by school, not allowed to return after a medical leave and school was ultimately closed due to misconduct. Refuses to address XXXX  application

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged XXXX. {$3600.00} written XXXX. {$3400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX  XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$830.00} Status Account charged XXXX. {$830.00} written XXXX. {$830.00} past due as of XX/XX/XXXX 2024

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 2024-04-13 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: CA

Complaint narrative:
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 these items. Your failure to positively verify these accounts and inquiries 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 2024-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/year> we received a check for the amount of {$1000.00}. The reason given for the check was that our XXXX  account was higher than it needed to be. I called and had Rocket Mortgage re apply the check to our XXXX  account. I received a notice that our monthly payment would be increased from {$4200.00} to {$4200.00}. The reason given for the increase was an annual XXXX  analysis. I called to explain that the check that was sent to us for {$1000.00} was already re applied to XXXX. Rocket Mortgage was unable to come up with an explanation for the monthly increase in payment. I also noticed that the statement provided with the check they sent on XX/XX/year> indicated that the minimum XXXX  balance was {$0.00} which I believe is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX on a XXXX XXXX XXXXXXXX and I had purchased their gold member service/status/badge which is supposed to give you certain benefits and 24 support service and a direct line of communication Never received any help and when another person of lesser status who is friends with support staff reports me several times and is bragging boasting that he can get me blocked constantly XXXX XXXX XXXX XXXX XXXX XXXX the app did not do any investigating didnt view any evidence I had sent in or even bother to listen i reported this to my bank Bank of America to get my money back and they denied me I had several other high level broadcasters attempt to speak on behalf to support staff and present their evidence as well but to be denied and sent away the app is a scam in it self double charging taking more coins then given etc over XXXX grand invested on 3 accounts banned by the person who was XXXX XXXX XXXX and making my life a XXXX XXXXXXXX Bank of America did absolutely nothing in fact by them denying me a refund its like they sided with the app

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 2024-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I have XXXX  student loans serviced by MOHELA. I was pressured by them into recertifying my income in XX/XX/2024 and as a result my payment increased. Based on the federal governments announcement that the student loan income recertification deadline was extended to XX/XX/2024 I should have had my payment reverted back to my previous lower payment. Unfortunately MOHELA has failed to restore my previously lower payment despite many phone calls and promises by them. I am not getting any assistance from them and my next payment date is coming up. I really need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
SoFi will not honor my disputes for unauthorized charges on My debit card. The charges are from a company in XXXX. I have never been there and still, I am waiting for them to resolve this issue. SoFi ignores my requests for updates.

A customer service associate told me to contact the company where the fraudulent charges were made. I looked up the company-XXXX  and it's located in XXXX. I made some phone calls and unbeknownst to me I was charged for international calls. I have never used international calling so I did not know that it costs so much. XXXX should pay me for doing their investigating for them. Why is this such a hard ask for them? It is so obvious that the charges are fraudulent because the company is in XXXX. They should never have authorized these charges in the first place!!! Any other bank would have known that they were fraudulent.

Company response to consumer: Closed with explanation