vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian 's report dated XX/XX/XXXX, shows almost all inactive/closed accounts, and XXXX which are open but inactive. None of my current credit accounts are shown, XXXX  : XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX to name a few. As a result, there is insufficient/or no information about revolving and open-ended accounts which is the basis most lenders evaluate/review to issue their credit card. Consequently, I was denied a XXXXXXXX XXXX XXXX, issued thru XXXX XXXX. I spoke to at least XXXX Experian departments over the last XXXX weeks about their over-sight and asked that they revise my report to include my current cards. I was told that a vendor/lender had to be a " subscriber ' of Experian 's service in order for the respective lender 's credit information to be included in Experian 's report. I called XXXX XXXX ( application department ) yesterday to verify this requirement and was told that there is no such requirement. Amazingly my credit score with experian is 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 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Money was sent to me on XX/XX/2022 via cash app. {$1000.00}. My bank merged with a different bank and so I was issued a new bank card number. The money was sent to the old bank card number, which was closed. Rather than hold the money. Cash app forwarded my money to a strange account in Mississippi, XXXX XXXX XXXXXXXX XXXX although I am in XXXX with XXXXXXXX XXXX XXXX. I have spoken with cash app and explained that the XXXX XXXXXXXX XXXX needs to know the account that they sent the money to however they refuse to give me an account number or even the last four digits so that my money can be found and returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XXXX of XXXX I called Wells Fargo to inquire about entering the forbearance plan due to XXXX.I was told I was eligible and that the forbearance was good for 3 months with possible extensions up to a year.I asked what happens to the missed payments during this time and was told they just add them to the end of the loan at the end of the forbearance.I agreed to the forbearance.3 months later I received an automated phone message from wells Fargo asking me to push " 1 " to continue forbearance, which I did.Three months later I received the same phone call and I again pushed " 1 '' as I was still unable to work with the pandemic going on. At the end of XXXX, I called to see what my steps were to resume payments and I was told that I didn't qualify for the deferrment program because I was delinquent at the time I enetered. I asked why I wasn't told that at the time of the request and It was explained that after I was entered the investors came out with additional guidelines that stated no forbearance if borrower is delinquent. I feel like this is not legal to enter someone into forbearance and then at the end say that I was not eligible. Please help me because now Wells Fargo is having me apply for a modification and I am being told I can't make payments until after the process and the missed payments are piling up. Thanks!

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 2022-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Was reviewing my credit report and noticed 3 companies that i didnt authorize to obtain a copy of my credit report one had run my credit 5 times in one year and the other 2 had ran it twice the same year all that i didnt authorize so when i called trans union to discuss the matter the operator was very rude and didnt really seem to be listening to my problem nor cared just kept saying oh i understand & oh Im so sorry like lady please stop saying that your not sorry because your not trying to assist me with the matter as to why i called. When i asked her to send me verification of the inquiries and an update of report the operator kept going around what i was asking her to do and kept saying i have to contact the company that requested the copy of my file but when i stated that I had already done so and they said i have to contact the credit bureaus. It was my understanding thats its trans unions job to report accurate and updated information and i have a right to request documentation that the inquiries are accurate. Once i stated i did contact the company that had requested a copy of my file we would then again run in circles with the conversation. As i was talking she kept putting me on mute for long periods of time after id get done speaking Id say so i was put on mute once again? Shed take moments to respond then say oh no we sat on the phone for 22 minutes and got nothing solved or accomplished she just kept running me in circles. Terrible customer service. I want help!!

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 2022-08-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX a dispute with Equifax XXXX XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX a dispute with XXXX Experian XXXX XXXX. For an account with XXXX loan # XXXX. Opened XX/XX/XXXX the payment history and loan balance are incorrect. It shows me that I missed my XXXX payment but I paid the account on time in the month of XXXX. I also contacted the company myself and they didnt update the information with the credit bureaus either. Plus the balance on this account is paid off now since 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 2022-08-02 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: OneMain Finance Corporation
State: VA

Complaint narrative:
XXXX XX/XX/XXXX One Main was contacted by mail stating they are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my CREDIT BUREAU consumer report on ( XX/XX/XXXX and XX/XX/XXXX ) and without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Was told they couldnt do anything about inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On or about XX/XX/XXXX I received a direct deposit of XXXX and change from XXXX 2 Days later the card company CHIME which is who I used to receive my benefits took the remaining balance of {$12000.00} after going back and forth with very disrespectful and unprofessional customer service agents for over a year I still receive no relief they sent me back and forth between their XXXX XXXX XXXX and their customer service for several months they refused to close my account and they just pretty much drag me along after everything was said and done they sent me an email stating that the money will be segregated into XXXX parts they sent {$190.00} back to the proper remitter which was the state of Illinois they sent {$10000.00} to New York for whatever reason. They also sent {$1800.00} to Georgia I received {$190.00} from Ides immediately CHIME would not help me get the remaining money that, They, not me wrongfully segregated. Finally, after reaching out to New York I was referred to New York state Attorney General. In XXXX of XXXX I was forwarded the {$10000.00} from the state of New York. I reached back out to CHIME about these results asking them to forward me the money the {$1800.00} that they sent to Georgia as well. Again, no help. I'm reaching out to you to ask that you please help me receive my funds that were wrongfully sent to the state of Georgia. CHIME really needs to be stopped. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
FEDLOAN is not giving updated number of payments. FEDLOAN is not updating my account consistently with CARES ACT. 

- employment has been verified XX/XX/XXXX - fedloan is not counting payments until XX/XX/XXXX ( when consolidated, which limited waiver of CARES said is incorrect )- they are not counting my employment dates in XXXX and XXXX and XXXX of the recent year XXXX with last employer despite form from company - i want an accurate count which should be XX/XX/XXXX and expected payoff as of XX/XX/XXXX as I have been employed and had verified since XX/XX/XXXX and made payments every month until XX/XX/XXXX with CARES ACT taking over and attempted payments XX/XX/XXXX to XX/XX/XXXX but not full payments due to approved hardship ( which CARES ACT still states should count ) - FEDLOANS HAS ADDED MORE YEARS TO MY SERVICE NEEDED FROM 10 YEARS ( XX/XX/XXXX TO XX/XX/XXXX ) TO NOW REQUIRING XX/XX/XXXX!!!! 
- FEDLOANS HAS INCREASED SERVICE REQUIRED FOR XXXX FULL YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
My XXXX Escrow account was short due XXXX XXXX taxes. XXXX XXXX treasures office sent a refund in XX/XX/XXXX. Refund was applied but Freedom Mortgage continued to have difficulty adjusting my mortgage account & payments. Each month they continued to charge me for a shortage and late fees. I called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and each representative told me that they saw the issue in the notes and would submit my account for review. I was also told that my new payment would be reduced effective XXXX and that I would see it on my next statement. Fees would be removed and the late fee I paid would be refunded. I just received my XXXX invoice and nothing has been corrected. Today, XXXX, Im on the phone with an XXXX XXXX who told me I was provided wrong info and Sorry and that I have to pay. Nothing she can do about it. Ive asked to speak to a supervisor. Spoke to XXXX- she informed me that there is nothing they can do, they can not adjust the amount back to XXXX, even though thats what the rep told me, the rep gave me wrong info and that I owe the unpaid amount. 
XXXX XXXX XXXX XXXX, a veteran, this is my XXXX home and Ive never experienced any issues with any lender until Freedom Mortgage. I only want them to fix my account like they said they would.

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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : {$140.00} XXXX. XXXX XXXX Account Number : XXXX XXXX : {$270.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX : - XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Bal : {$320.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Bal : {$2700.00} XXXX. XXXX Account Number : XXXX Bal : {$15000.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  XXXX  XXXX XXXX  Account Number : XXXX Bal : {$140.00} 2. XXXX XXXX Account Number : XXXX Bal : {$270.00} 3. XXXX XXXX XXXX  Account Number : XXXX Bal : {$320.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} 5. XXXX  XXXX  Account Number : XXXX Bal : {$6100.00} 6. XXXX XXXX  XXXX Account Number : XXXX Bal : {$2700.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX ACCNT XXXX XXXX 30 days late on XXXX XXXX 60 days on XXXX XXXX, 90 days on XXXX XXXX  120 days on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

2. XXXX ACCNT # XXXX 30 days late on XXXX  XXXX, 60 days on XXXX  XXXX, 90 days on XXXX  XXXX, 120 days on XX/XX/2022, XX/XX/2022, and XX/XX/2022. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Please do a good faith correction/removal of any late payments on my 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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX account # XXXX 30 days late on XX/XX/2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation