vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: NJ

Complaint narrative:
Recently I've looked over a copy of my consumer report and noticed both accounts and information thats either inaccurate or doesnt belong to me. Ive then reached out to the creditors thats reporting these accounts and asked them to verify any debt. The creditors havent reached out to me with a response, nor did they provide any documentation that verifies this debt. How can they report a debt if they cant verify that it belongs to me? By them purchasing my personal information and sharing it to a third party without my consent is a violation of my right to privacy. I am asking Transunion to thoroughly investigate my dispute letter and remove anything that isnt accurate or verifiable. I know that it is their duty to do whats fair and equitable for me as a consumer and report the most accurate information possible. I am aware that Transunion must be compliant with all the laws governing consumer rights that they agreed to. The inaccurate information and accounts thats reporting on my consumer report is impeding my ability to obtain financial services or relationships with any potential lender. Included in my complaint is a copy of my consumer report containing the inaccurate information that I asked Transunion to block and remove from my consumer report in which this information is both inaccurate and doesnt belong to me. 



Violations committed by Transunion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
We are now in US Bank THIRD attempt for them to correct mistakes they made on our deferral plan. I had filed a complaint with you in XXXX of XXXX  ( XXXX ) for this companys unfair business practices, but they denied any wrong doing. 
Now, after all this they are reporting XXXX XXXX payment as late to the Credit Agencies, which they claimed would not happen during the loan modification process. Mine and my Husbands Credit Scores were affected by XXXX points. 
Since all of this is US Banks mishandling of my account, I demand that this be removed from the credit agencies reports immediately!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: UT

Complaint narrative:
In the last days of XX/XX/XXXX, the application process began, where an approximate installation date was set in XXXX. Due to the delay in the process, it was when I asked Mosaic to stop and cancel the credit for the installation of the solar panels, they told me that it was impossible because the company had already done the necessary studies for the installation of the solar panels, if I decided to initiate the cancellation process, I would have to pay for the studies done a value between {$5.00} - {$6.00}. I decided not to cancel for fear of adding more debt to my home, also because the company did not give me a solution to stop the process. 
Also the person who sold me the solar panels, told me that after the installation and review, we would have 3 months to make the payment. now the full installation day ended on XX/XX/XXXX, where they was told that the city would have to review the installation and give the approval for the system to start working. Therefore, the system today, XX/XX/XXXX, is not working and the company sent me my first invoice to pay on XX/XX/XXXX, without even having a working system and with lying marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: AR

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my [ account/reference number ]. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department on [ list dates of previous attempts ] to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated.

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX/XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.

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 explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As a loyal Capital One customer for several years, I have always appreciated the high level of service and reliability provided by your institution. However, I experienced significant frustration and inconvenience in XXXX when attempting to utilize the {$300.00} travel credit associated with my XXXX XXXX credit card. 

On two separate occasions around midnight in XXXX, I encountered persistent issues with the Capital One app, specifically within the travel portal. Despite multiple attempts to access and utilize my travel credit to book a hotel room, I was repeatedly logged out of the portal, preventing me from completing the transaction. Despite reaching out to Capital One via social media channels to report the issue, I was informed that there were no known technical difficulties at the time. 

Regrettably, due to the persistent technical issues and subsequent inability to access the travel credit, I was unable to utilize the benefit before its expiration date. This was particularly disappointing as the {$300.00} travel credit was one of the primary reasons for holding the XXXX XXXX credit card. 

In an effort to address this matter and seek resolution, I contacted Capital One Customer Care on XX/XX/XXXX to request an extension of the expired travel credit and explore options for rectifying the situation. However, I was informed that the system was down, preventing the creation of a formal case to escalate the matter. 

As a conscientious and longstanding customer, I am appealing to Capital One to consider this situation as an exception and extend the expiration date of my travel credit. The technical difficulties experienced in XXXX were beyond my control and resulted in the inadvertent expiration of a significant benefit associated with my credit card. 

I trust that Capital One will take this matter seriously and work diligently to address my concerns in a timely and satisfactory manner. I remain committed to maintaining a positive relationship with Capital One and hope for a swift resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Last 4 SSN # XXXX XX/XX/XXXX Dispute Department Equifax XXXX XXXX XXXX. 
XXXX, GA XXXX. 



To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXX XXXX  Account XXXX XX/XX/XXXX {$10000.00} FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
1006.18 False, deceptive, or misleading representations or means. 

A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. 

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 

( 3 ) A debt collector must not represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 


Attached is notice was given XX/XX/2019 Also attached is no damage to carpet accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions|

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: PA

Complaint narrative:
XX/XX/2023 I began communicating as to why they kept changing the dates and stories. XXXX XXXX XXXX emailed and mailed proof they were paid and they continued to continue to bill Me. They decided to close my account and broke our contract! I have proof from my Credit Union and XXXX XXXX stating it was an error on their part. So I need this off my credit with a {$0.00} balance! My bank statement shows my balance so no payments ever not go through! I need this corrected! With people who speak and understand English! I had to make a police report and filed with XXXX. This company did this to alot of folks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I am setup on auto debit payments for rate reduction. I have tried making additional payments to pay off my loans early and they keep lowering the auto debit without my permission, making it so I can not pay off my loans early. I was old in XXXX it wouldn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
On XX/XX/year> I made a payment of {$820.00} and it said received, few days later it says payment reversal. I call aidvantage and they to cal my bank to see why it never went through. My bank ( XXXX  ) stated they never received a transaction from aidvantage. I called aidvantage back and explained what the bank said and the representative said they see I made a payment but couldnt tell me why it was reversed. Then I was told I was going to receive an email stating why. I Never received an email. I triple checked my routing number and account number which it was accurate and correct. All my other transactions and payments such as credit card bills and incoming checks from working are processing fine through the same checking account. 
Im thinking they are holding off my payments until they get interest. I am just trying to pay off my loans. Can someone please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue is that my account got closed by Chase bank because the check I deposited in my bank account could not be verified. 
Now, Chase bank is holding {$7400.00} because they can not verify the check. I reached out to issuer of the check and they stated that Chase bank shouldnt hold funds whatsoever as the funds are cleared in their system. 
My account closed on XX/XX/XXXX and a XXXX XXXX check charge of {$7400.00} was made, meaning a check of the remaining funds was mailed out to me in a form of a cashiers check. However, on XX/XX/XXXX I received a checking summary of the balance of {$0.00} because I have not received my funds. 
On XX/XX/XXXX I also received a cashiers check of {$24.00}, which I dont recognize that amount. 
This is a very bad fraudulent action on behalf of Chase bank. I want to report my account as fraudulent and Chase needs to close my account and not have the check clear on their end because they are keeping the funds??

Company response to consumer: Closed with non-monetary relief