vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i filed a dispute with Transunion about an account with XXXX XXXX  whom violated my rights. Transunion done the investigation and said that it was true and accurate. However, I disagree on there investigation. please see all of factual documentation in enclose including the letter to XXXX XXXX letter as well all 3 credit bureau with all the federal laws that they had violated

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
NO RESPONSE TO 2 COMPLAINT LETTERS Dear Sirs : XX/XX/XXXX I HAVE HAD NO RESPONSE TO THIS COMPLAINT SENT TWO MONTHS AGO. 
I am formally disputing the billing error of {$85.00} charged on XX/XX/XXXX, and the disappearance of my daily cash credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Receivables, Inc.
State: SC

Complaint narrative:
I told this debt collection company to please stop contacting me, and that Im unaware of this supposed debt. The late payments reported on my credit report were not authorized by me and were reported without my written consent. Therefore, I am disputing the accuracy of these items and requesting that they be removed from my credit report. I am also requesting that you provide me with documentation showing that you had my written consent to report these items. 
As you may know, the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report can be furnished. The FCRA requires that consumer reporting agencies may only furnish consumer reports for certain purposes, including credit transactions involving the consumer, employment purposes, insurance underwriting purposes, and in connection with a legitimate business need initiated by the consumer. Additionally, the FCRA requires that a consumer must provide written consent before a consumer report can be furnished for most purposes. Please investigate this matter as soon as possible and provide me with the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute with your agency on XX/XX/2023, which referenced two ( 2 ) accounts erroneously being reported on my credit report. As of today, I have not received a response from your agency regarding the dispute results, despite the fact that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to respond to disputes within 30 to 45 days.

I would like to remind you that under the FCRA, if a credit reporting agency fails to respond to a dispute within the required time frame, the disputed account must be deleted from my credit report. Given that it has been more than 45 days since I filed the dispute, I am requesting that the disputed account be deleted from my credit report in accordance with the FCRA. 

The accounts that were disputed are as follows : XXXX XXXX XXXX, account # XXXX. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete this account. 

XXXX XXXX XXXX, account {>= $1,000,000}. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector own this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete 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 explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
In XXXX I tried to get XXXX XXXX XXXX  fiber optics internet in the apartment I was moving into in California. The representative I was speaking with got early access to my apartment to set up the internet for me prior to my arrival, however, he informed me that the fiber optics in my unit were not properly installed and so I couldn't get XXXX XXXX XXXX internet. I assumed he would cancel my XXXX XXXX XXXX plan as I was unable to get internet form them however this was not the case and I was charged. I called them letting them know about the situation and they rightfully erased those charges. At the end of the summer I got a new charge from XXXX XXXX XXXX for a modem and router which I never received as I was unable to get XXXX XXXX XXXX installed in my apartment. I was told this would be taken care of and months later received a notice that the debt was now sold to a debt collector and I now owed them money. I reached out again to XXXX XXXX XXXX two times since and they have been unable to resolve this issue for me. I recently got another email from a new debt collector who I am not sure is even legit. They have the address I lived at and the amount correct however their email format looks like it was made in 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit was accessed on the dates described by the companies listed below without my authorization. I currently have a credit lock on my credit profile with Experian. On XX/XX/XXXX, I addressed the unauthorized inquiries with Experian and was told that inquiries could not be removed, which is a violation under the law. The unauthorized inquiries are as follows : XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX XXXX 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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A letter was sent to Experian dated XX/XX/XXXX and received XX/XX/XXXX according to USPS certified receipt. In my letter I requested the validation of this account and disputed the transactional history listed on my credit report as XXXX XXXX XXXX I requested that the account be investigated as I did not recognize it. Additionally, I questioned a late payment for XX/XX/XXXX which again I was not familiar with. I requested the deletion in accordance with FCRA 1681a ( 2 ) ( a ) ( i ) which states NO REPORT SHALL INCLUDE experiences and transactions. As of XX/XX/XXXX via the attached Experian report the account has not been removed nor has the account been flagged as " Disputed by consumer ''. This violates the FCRA and must be deleted immediately. Experian 's Investigaton has exceed the 30-day window.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022, I received my escrow analysis from Wells Fargo via mail and it stated I was short {$3000.00}. I was shocked to see such a high number. Upon reviewing further into the documents mailed to me regarding my escrow account- I noted that in XXXX XXXX my home insurance premium was paid as it usually XXXX when I renew with XXXX. However, I noticed in XXXX XXXX Wells Fargo paid a second home insurance premium to a policy that was not mine in the about of {$2600.00}, also to statefarm. I have been for weeks now trying to get this money/refund back into my escrow account so it's not short. I need it back. Wells Fargo has no answers on how this happened. They didn't even believe me at first when I was trying to tell them that second policy was not mine. And I still have no reimbursement.

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 2023-04-14 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: NY

Complaint narrative:
On Saturday, XX/XX/XXXX at around XXXX XXXX, I went to the Chase Branch ATM on XXXX XXXX in XXXX XXXX XXXX. I withdrew {$100.00} and then left. The next morning, I checked my account to see how my budget was going and I noticed that there was {$900.00} missing from my checking account. I immediately called Chase to report the stolen money and request a new card. I received an ATM reversal from Chase a few days later. However, on XX/XX/XXXX, I received an update to my situation that stated the reversal had been reversed and that Chase was holding me accountable for the unauthorized withdrawals. 

I went into the Chase branch on XXXX XXXX on the XXXX of XXXX, XXXX and informed them of my situation. The branch manager helped me fill out a petition to reopen the claim and attached the police report that I filed to the document. The petition to reopen the claim was denied and the reason given was that I had made purchases in the region and used the ATM before. I tried to explain that I am a student who lives in the area but they were unwilling to look into the situation further. Since then, I have called Chase multiple times and asked them to look at the security footage from the branch and they have refused, claiming that I would need to open a lawsuit against them for that to happen. The last time I talked with them was XX/XX/XXXX and I have not received anything else since then. Throughout this process, Chase has been unresponsive and has put as many roadblocks in my way as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Delete hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The list of accounts that I have listed below, have violated my federally protected consumer rights to privacy and confidentiality. 
Under 15 U.S.C. 1681 XXXX XXXX / Acc # XXXX XXXX XXXXXXXX / Acc # XXXX Michigan XXXX XXXX XXXX XXXX XXXX XXXX Have all violated my rights. 
15 U.S.C. 1681 section 602 A states that I have a right to privacy.

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

15 U.S.C. 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618 s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
XX/XX/XXXX I signed up for a credit line with this creditfresh.com place and later I find out I have to pay XXXX XXXX interest on this credit line monthly I find this illegal and immoral

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/ at approximately XXXXXXXX XXXX  EST, I placed an envelope into the big blue mailbox in front of the Post Office on XXXX XXXX XXXX XXXXXXXX Georgia. The mail contained my personal check payable to my son, XXXX XXXX, and addressed to him. The check was written against my account with Regions Bank in the amount of {$2400.00}. My son never received the mailing. On XX/XX/, I received notification from Regions Bank that the check had cleared my account and {$2400.00} was transferred to XXXX XXXX XXXX based upon my check # XXXX clearly payable to XXXX XXXX, but deposited and endorsed to the account of " XXXXXXXX XXXX XXXX. I immediately reported the mail theft to the US Postal Inspection Service, Case # XXXX. Next day, I visited Regions and met with Branch Manager XXXX XXXX and filed a check fraud claim, # XXXX. XXXX said that my case was very clear and simply fraud that should be resolved in less than 30 days. On XXXX XXXX XXXX I filed and additional affadavit on an Unauthorized Check Dispute Form. 

I have continued to follow up with visits and telecons with Regions Branch Manager XXXX XXXX and after 5 months, have not had my {$2400.00} restored to my account. I have tried multiple times to escalate my case with Regions. I have received sympathy but no real help. Regions is deferring to XXXX XXXX XXXXXXXX for resolution. I don't have an account with XXXX XXXX XXXX. Regions is responsible for taking money from my account and giving that money to XXXX XXXX XXXXXXXX based upon a fraudulent deposit by a third party with my check made payable to my son. I have tried to get help from the FDIC who then referred me to the Federal Reserve. The Federal Reserve then referred me to the Consumer Financial Protection Bureau for help. This fraud investigation should not take 5 months plus to resolve and restore my stolen funds. The update I got from Regions just today said that the update has not changed and please do not request another update for 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 monetary relief
Consumer complaint received 2023-04-14 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: MN

Complaint narrative:
My Direct Loans were transferred to MOHELA in order for them to facilitate my Public Student Loan Forgiveness. I have well over XXXX payments, and was told my loans would be forgiven. MOHELA removed a portion of my loans, but not all. The only reason I have been given for not having all my loans forgiven is that I am responsible for the loan co-borrower 's amount. However, the co-borrower 's loans were all discharged due to Permanent and Total XXXX, and Federal Student Aid has said the only loans remaining are mine and that the remainder should be forgiven. In addition to this, as far as I can tell, my IBR recertification is due very soon, but I don't know if I need to submit anything or not because of the student loan pause or ( better yet ) my account is completely forgiven. I've tried to explain this to MOHELA and get this resolved and my questions answered, but most of the times I've tried to communicate with them I just get a scripted response telling me to call them. However, I can never reach a live representative by telephone. In addition, it is difficult for me to communicate verbally and I have requested written communication, but MOHELA has disregard my request and continues sending scripted responses telling me to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
**Also see XXXX complaint number : XXXX Fiserv closed the prior complaint without sending me the money they owe me. I left voicemail at the number they provided in complaint above and they didn't return my call. 

Fiserv did not provide me a reliable contact number or assigned agent to deal with the complaint above. 

Fiserv did not respond to my demand for lost interest and compensation for my time due to their possibly illegal business practices.

Company response to consumer: Closed with non-monetary relief