vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: AL

Complaint narrative:
Ive requested prior that Experian, XXXX, and XXXX update my payment history on my credit report and they have yet to do so. The information is incorrect and out of date. I have reached out to both the lenders on both accounts for the XXXX XXXX account and the XXXX XXXX XXXX account and they have confirmed that it is not them reporting the information wrong. These 3 Credit Bureaus are using my information improperly and reporting the information incorrectly. I would like it updated as soon as possible to Paid On Time like it was before hand.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am wanting these inquiries deleted because I did not authorize these companies to run my credit and it is fraudulent.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am wanting these inquiries deleted because I did not authorize these companies to run my credit and it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am wanting these inquiries deleted because I did not authorize these companies to run my credit and it is fraudulent.

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 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hello CFPB, thank you for reading my complaint. US bank has twice since opening this account in XX/XX/year>, only 9 months US banks has now twice changed the terms and conditions of the rewards and card product. As of today they changed the rewards amount. Meaning rewards are now worth less than before. I have now twice attempted to change card product and they will not allow me. Even though I have XXXX credit score and have always been on time with my statements. 
I just wanted the federal regulators to be aware of this.

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 2024-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
The online finance/loan company named Upstart, I have been requesting a breakdown of how my payments are getting applied, ( XXXX requests ) because it seems as though the balance is not changing very much at all, for some reason they are stalling and not providing the info that I requested, what they emailed me was the balance on the loan, and the interest rate, and that info I already have, and is not the info that I requested, and they also stated that they don't provide statements,,?, in which I thought was a little odd/strange??, it seems as though this company, Upstart, is possibly hiding something that they do not want to disclose or do not want me to see how my payments are getting applied, and I know some company 's try to take advantage of some/certain consumers, especially consumers with low credit scores. I am a consumer who have rights, and expect this company to provide requested info to the consumer, especially when it comes down to making payments, I am requesting that CFPB, to please investigate this company to make sure there are no violations, and that they are in compliance with the laws and regulations and following all the guidelines that are in effect.I am requesting for a breakdown of what exactly is being applied to principle, and what exactly is getting applied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: GA

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have contacted Nelnet over XXXX times now ( in each form of communication ) to try and figure out why my XXXX has been in review for 6 months now. I have submitted all of the proper documentation. XXXX approved the application and sent to nelnet. Nelnet has completely failed to respond. Does not answer emails. Does not answer phone calls. Can not provide you any information about your loan. All they do is copy and paste the same message. Everyone in that customer service center should be fired immediately. Stealing tax payer money to do nothing. This is the biggest joke of a company Ive ever dealt with and im not surprised its government related. Theyre protected to do whatever the XXXX they want and its unacceptable. I still have not gotten the information I need and it has been 6 months, XXXX phone calls, XXXX emails and even hand written letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
Ford Motor Credit Company ( " FMCC '' ) significantly damaged my credit report by reporting delinquently to XXXX, XXXX, and XXXX without making a reasonable attempt to contact me via telephone or via mail at a current mailing address. It is my understanding that under the Fair Credit Reporting Act and Fair Debt Collection Practices Act that only accurate information may be reflected on the consumer credit report and reasonable means to notify a consumer must be made in collection/delinquent situations. The account in question was a lease that was returned as agreed and I was not made aware of any balance remaining until I a was notified by a mortgage loan officer of a delinquency regarding the account in question. No mail was received via USPS nor by other means notifying me of any balance due. No phone call was received either. Immediately upon being made aware of the balance due, it was paid in full. Letter attached. I am requesting that FMCC immediately remove the account from my credit reports with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-01 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

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 2024-07-01 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : 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 2024-07-01 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: NJ

Complaint narrative:
Greetings, I need you to eliminate this from my credit, it is affecting me and I am a father and the fact that it is damaging my credit does not allow me to believe. I hope you can help me. 

XXXX XXXX {$5300.00} XXXX XXXX XXXX {$1700.00} 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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Greetings, I need you to eliminate this from my credit, it is affecting me and I am a father and the fact that it is damaging my credit does not allow me to believe. I hope you can help me. 

XXXX XXXX {$5300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NC

Complaint narrative:
I am XXXX XXXX, submitting this complaint independently without any third-party involvement. Attached are letters detailing the discrepancies in my credit report. The three bureaus, XXXX, XXXX, and Equifax, have reported inconsistent and untimely information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: CA

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 2024-07-01 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: NC

Complaint narrative:
XXXX and there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I sent money on XX/XX/year> to a group of scammers through a wire transfer due to threats and manipulation. The amount is XXXX USD. I contacted my bank, Chase, to reach out to the scammer 's bank, XXXX XXXX to hold and recall as much money as possible. They said they would investigate it but in less than 2 weeks, they closed the case, claiming that they didn't think that was a fraud, as " I may be beneficial through the wire transfer ''. That is really a good explanation, suggesting that even you are a victim of the scammer, we ( Chase ) have no obligation to stop you or provide any help. I already filled IC3, called the local police, and reported the case to the Federal Trade Commission, and now Chase thinks I am benefiting from the fraud transfer. From my standpoint, they have wasted nearly 2 weeks, giving enough time for scammers to transfer the money out, maybe overseas already. They could have stopped me from issuing the transfer because I was not behaving naturally ( I was scared due to threats ), and they could have provided a telephone call as a second checkpoint to remind me I may encountered a scam, and give me some time to think carefully before confirming the transfer, but they did nothing, just one click and let the money out ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I originally purchased this property XX/XX/XXXX with payments made for a total nearing XXXX dollars. I requested back in XXXX then in XXXX via phone for papers to get forbearance and or modification. My loan was originally XXXX XXXX and I never took the settlement check they attempted to send me for my loan process. 

I have paid faithfully without fail monthly up until XX/XX/XXXX where I fell and XXXX XXXX XXXX XXXX and could no longer work. I called the mortgage company and explained that as well. Currently, I obtained a job and will start this week ; on XX/XX/XXXX I am applying for my social security income as I will turn XXXX on XX/XX/XXXX. 
Also, my mother passed in XXXX which I may get some proceeds from XXXX of her life insurance policies. Currently waiting on confirmation on that but if true then the back payments could be made immediately. 

The currently loan servicer is Select Portfolio Servicing , Inc . 

Furthermore, I had to find out the about the foreclosure through an investor. I never was properly served. When I looked up the case in XXXX XXXX I still could not find it. Also, I have contacted a foreclosure specialist in the XXXX area which I believe is HUD approved. I truly hope I will be able to resolve this issue as it is the only home I have known for the last 26 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance regarding a matter with Credit Collections Services, which is impacting my credit report. I have noticed that an account with the number XXXX is being reported on my credit report, and I have serious concerns about its validity. 

Despite my efforts to communicate with Credit Collections Services, I have not received adequate information to validate this debt. Therefore, I am requesting that the CFPB intervene to ensure that Credit Collections Services provides the necessary validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Below are the specific details of my request : Verification of the debt : Please provide documentation that verifies the legitimacy of this debt, including a signed agreement or contract that shows I am responsible for this debt. 

Detailed breakdown : A complete and itemized breakdown of the debt amount, including principal, interest, fees, and any other charges. 

Chain of custody : Information on the chain of custody of the debt, including any previous owners or collection agencies that have handled the account. 

Proof of reporting : Evidence that Credit Collections Services has the authority to report this debt to credit reporting agencies and that the information being reported is accurate and up-to-date. 

I believe that the inclusion of this account on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that this account be removed from my credit report until the debt has been properly validated. 

Please find attached copies of my correspondence with Credit Collections Services, as well as copies of my credit reports from XXXX, XXXX, and XXXX showing the disputed account. 

I appreciate your prompt attention to this matter. If you require any further information, please do not hesitate to contact me at the above address or phone number. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-01 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: MA

Complaint narrative:
I looked at my report on XX/XX/2024. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Account Status Original CreditoXXXX XXXX XXXX XXXX XXXXXXXX is not on my credit report This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX, XXXX. I do not have any contract with XXXX XXXX XXXX. 
XXXX is not reporting this According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to Assure Maximum Possible accuracy of the information concerning the individual about whom the report relates.

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 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
my XXXX  card has been compromised ( fraud/ transactions ) and each and every time ( at least XXXX cards issued since XXXX XXXX, 2023 ) I was give a generic speech about a 45 day process just to investigate. By the time of the so-called investigation another scam of fraud has commenced. Please HELP ME!

Company response to consumer: Closed with explanation