vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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
Consumer complaint received 2024-07-15 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: GA

Complaint narrative:
XXXX & XX/XX/year> unauthorized inquiries were add to my credit report that I did not authorize. I ask for deletion but no response nor help from credit agencies

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 2024-07-15 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: GA

Complaint narrative:
XXXX & XX/XX/year> unauthorized inquiries were add to my credit report that I did not authorize. I ask for deletion but no response nor help from credit agencies

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 2024-07-15 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: MN

Complaint narrative:
XXXXXX/XX/XXXXXXXX creditor XXXX XXXX XXXX bXX/XX/XXXX This account is not mine. I have no knowledge of this account.

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 2024-07-15 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 am writing to express my deep concern regarding the inaccuracies present in my credit report. On multiple occasions, I have raised issues concerning disputed accounts and have consistently requested thorough investigations. Despite my persistent efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and are causing significant disruptions in my life. The negative impact of these inaccuracies has led to immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation promptly. 

I kindly request a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
My former cell phone provider XXXX was sent a tender of payment according to UCC 3-603/3-311 for the complete amount of the remaining balance. This debt contained a conspicuous statement with regard to what was to be expected upon redeeming the tender of payment. This tender of payment was not dishonored or even sent back as refused, but redeemed instead. After this I started to receive threatening harassing letters from XXXX prompting a FCC complaint being filed. This complaint went unanswered. After this upon looking at my consumer report I noticed a 3rd party debt collector who I have never had a contract with for service or goods who does not have permissible purpose, had appeared on my consumer report claiming I owe them a debt. Now all this was done without even giving me a chance to have debt validation. I recently had a death in my family ( my father ) and I am in a healing process as I speak, and for this 3rd party debt collector to with malice and prejudice steal my personal non- public information without permissible purpose identity theft and fraud. Further by this 3rd party debt collector doing this has caused also injury to me and family by my consumer report dropping to a very dangerous level causing me to get declined for other consumer transactions. All the information is not accurate and false on my consumer report and has been illegally used and put on my consumer report without permissible purpose and my express written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XXXX of this year, we submitted the required form for NewRez to remove mortgage insurance from our loan. We returned the form and the {$150.00} fee to the exact address indicated on the form. After a couple of months, we heard nothing from them, even though they promptly cashed the check. I called again in XXXX to check on the status, and they said they didn't know what the money was for, so they just applied it to my mortgage. I told them I found that suspect since the check and the form were in the same envelope. I then asked to speak to a manager, who told me they would look into this and get back to me. It is now the middle of XXXX, and I have received no written or verbal response from anyone. They cashed the check and received the form in XXXX and have yet to process the request for removal of the mortgage insurance. This means that I am paying almost {$200.00} a month more than I should be paying due to their negligence. Since they don't seem to respond to me, I would appreciate any assistance you can give me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I am currently working with a debt relief company to help me resolve my unsettled debt. Portfolio Recovery Associates , LLC has relentlessly called, sent text messages, emails, and postal mail to me. I receive no fewer than XXXX calls a day. They are now contacting family members who are also receiving several phone calls a day, as well as mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: MS

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: AZ

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. This accounts were not verified correctly and oppened FRAUDELENT under my name. Please remove : XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know when this accounts were oppened or amounts owed or if its current. I purchased a XXXX bureau credit report and notice this fraud accounts. 

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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable 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 2024-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. On multiple occasions, I have raised issues concerning disputed accounts and have consistently requested thorough investigations. Despite my persistent efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and are causing significant disruptions in my life. The negative impact of these inaccuracies has led to immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation promptly. 

I kindly request a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
I am the seller in the loan assumption of a VA loan serviced through Navy Federal Credit Union. This sale was originally scheduled to close in XXXX of this year ( 2024 ) and has now passed through multiple extended closing dates due to a lack of response from NFCUs loan assumption department ( despite many attempts from all parties to reach out ). As of today, a new Senior Processor was assigned to the sale and it appears the entire process is starting over ( requesting information and documentation which has already been provided by both the buyer and myself ). This seems suspiciously like a tactic to dissuade consumers from executing a loan assumption, as allowed by NFCU policy, due to the higher interest rates ( and profit margins ) of normally sourced loans. This is either directly intentional or a result of deliberate staffing practices designed to achieve such goals. Both the buyer and myself are in awkward financial positions as they have already moved into the home in good faith, and I am having to charge them a per diem for the early occupancy. NFCU processors claim that this process simply takes longer, but that does align with the objective fact that we are having to start over from scratch in the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: Kriya Capital, LLC
State: CA

Complaint narrative:
I received an email from XXXX today that a collection company by the name of " Credence '' placed a collection on my credit report with Experian Indicating that I owe {$3500.00} to XXXX XXXX  XXXX. I told them that I never had an account with at & t. I need to file this claim as this is the XXXX time that this is happening and I do not think that it is fair for them to place collections on my credit with out verifying first. They never called me nor they never sent me a letter to inform me. Now this is affecting my credit score and I need it to be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I issued a check for {$920.00} on XX/XX/year> that was cashed by a party other than the one it was made out to. The party that cashed the check is/ was a customer of Wells Fargo. The party to whom the check was addressed is also a customer of Wells Fargo so I asked them to research whether the check had been routed incorrectly within their company. Their investigation concluded that they had not received it. By the time this process was completed, it was early XXXX of 2023. I filed a claim with my bank and they initiated contact with Wells Fargo. In XXXX of this year my bank notified me that they had not received any response from Wells Fargo, so I initiated an inquiry with a local Wells Fargo branch. I received a call from a Wells Fargo employee requesting the details of the issue. Subsequent attempts to contact this individual for a status report went to voice mail and no return call was received. In XXXX I made another attempt to work through Wells Fargo 's local branch and was directed to the non-customer advocacy group. My call was re-directed twice until I was connected with an individual that informed me that they couldn't provide information about their customer. I understood this and was only hoping that they would contact their customer about the matter. The Wells Fargo representative 's attitude became dismissive, and her final comment was that it was most likely my banks fault that this occurred. 

I have XXXX complaints. 

First, neither my bank nor I have any evidence that Wells Fargo made any attempt to deal with issue. 

Second, Wells Fargo 's non customer advocacy group appears to be a facade for a department that doesn't really advocate for non 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 2024-07-15 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-07-15 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: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I initiated two external ACH transfers ( these are free of charge ) from a Chase checking account to a XXXX XXXXXXXX XXXX account, one for {$10000.00} and another for {$4300.00}. These transfers were scheduled to occur two ( 2 ) business days apart. The transfers were cancelled on XX/XX/year>. I contacted Chase on XX/XX/year> to inquire about the transfers, and was informed that XXXX was unable to verify ownership of the external ( XXXX XXXX ) account, and lack of transfer history between the accounts. The agent reviewed the activity and confirmed 4+ years of transfers exceeding {$100000.00} between the two accounts, and informed me she was noting the account for back office review, reversal of the cancellation, confirmation of transfer history ( which would also raise the transfer limit between the accounts from {$10000.00} to {$100000.00} ). I was instructed to go ahead and re-initiate the transfers. 

To my surprise, Chase deleted external account from my profile, and I am not able to re-add the account, nor make any transfers. 

I recontacted Chase on XX/XX/year> and was informed that this is automated system function, and the external account is blocked from all activity with Chase. I was also informed that this decision can not be appealed or reversed and is permanent. I was further informed that the external account was flagged for suspicious activity but never investigated, but Chase could not explain what the suspicious activity was, or how 4+ years and $ XXXX of transactions could have occurred. 

Chase has informed me that I may wire money to this external account, for a sizable fee each time. Chase also informed me that I can move the money using XXXX, except Chase only allows one account connected to XXXX at any given time. 

Chase has unfairly blocked transactions between a long established external account and a Chase account, effectively freezing my assets and allowing me to access them as desired, and refusing instructions on how to handle said assets. 

This is an attempt by Chase bank to hold customer assets and earn interest with little to no interest returned to the customer.

Company response to consumer: Closed with explanation