vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2023-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I am not liable for debt with XXXX XXXX XXXX XXXX. I did sign or received a original company from CKS Prime investments and demand this be removed from 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 2023-11-24 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: GA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-24 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: TX

Complaint narrative:
XXXX XXXX XXXX, an infant minor trust, is the victim of fraud. A contract between an Infant & financial institution can only be the result of coercion, misrepresentation and fraud. Any such contract is illegal and non binding. Financial institutions, acting as trustee of infant minor trust, failed fiduciary obligation. Beneficiary was billed and trustee claimed remittance coupons. I have submitted XXXX dispute for fraud to Equifax, and no relief has been provided. I am the sole equitable beneficial title holder, beneficiary of the XXXX XXXX XXXX. Beneficiarys are to receive all benefits, and can not preform any duty of the trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted many letters to the CRAs about accounts that are not mine and are reporting inaccurately on my credit report. I have sent at least XXXX sets of dispute letters and they responded with stall tactics saying I am not sending my own letters as a response. The accounts listed on my letters are the accounts I want answers too. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collectors ) Also there is a late payment that should not be reporting that I want the late payment removed due to reporting my private information on a public record

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 2023-11-24 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: IL

Complaint narrative:
I have submitted many letters to the CRAs about accounts that are not mine and are reporting inaccurately on my credit report. I have sent at least 4-5 sets of dispute letters and they responded with stall tactics saying I am not sending my own letters as a response. The accounts listed on my letters are the accounts I want answers too. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( debt Collectors ) Also there is a late payment that should not be reporting that I want the late payment removed due to reporting my private information on a public record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: DC

Complaint narrative:
I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of 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 2023-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Some guy keep calling me threatening to sue me over a debt I don't know anything about. he called me cussing at me telling me to shut the XXXX up when I asked for his credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax XXXX Have My Address Wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
A friend attempted to send money to my XXXX XXXX account via Zelle. When Zelle got around to actually processing the transaction, they removed the money from the sender 's account, but did not deliver it to the recipient ( me ). I can not access the money. The recipient can not cancel the transaction. Right now, Zelle is holding on to the money for an unspecified amount of time. 

I contacted XXXX XXXX twice about this. They said that because the money is currently being held by Zelle that there is nothing they can do to complete or cancel the transaction. Why they suggest using Zelle under these circumstances is unclear, though of course they likely get paid for doing so. 

I have attempted to contact Zelle twice. Their automated system asks if the transaction is being done via banking app, and when I selected the option to say that it was, the machine told me to hang up and call the bank. They offered no option to complete or cancel the transaction, or to even speak to a representative. Neither the sender nor I knew that a simple funds transfer could be delayed indefinitely like this. 

Currently Zelle is holding on to the money. Neither sender nor recipient can access it or modify the transation. There is no way to contact Zelle about the problem, and the bank - at least my bank - claims that there is nothing they can do about the missing money. As of this moment, over a XXXX dollars in US currency is missing, and neither XXXX XXXX or Zelle is offering any recourse to recovering it, other than to wait and probably get it next week. Probably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I disputed a {$320.00} charge made on XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  for merchandise not received. Given the length of time since the purchase was made, this purchase falls under Visas 540-day rule. I spoke with multiple Chase representatives who were unaware of this rule yet worked in Chases Disputes department, yet I finally found an agent who was able to file this dispute. Chase has then stated that this purchase still falls outside of their timeframe and will not clarify their rules regarding their adherence to Visas clear 540-day rule, which this purchase clearly falls under. I had a very unprofessional, unhelpful, and rude Account Manager named XXXX XXXX who refused to answer questions, refused to specifically guide me to Chases policies, and began misinterpreting Visas 540-day rule. When I navigated to Chases website where XXXX asked me to go, he refused to provide any further information as he is clearly not abiding by terms laid out in my cardholder agreement. Chase, per Visas code XXXX, please properly resolve this dispute and please educate your team on this rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with XXXX XXXX on another individual 's XXXX  XXXX credit card account. XXXX XXXX, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from XXXX XXXX, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative XXXX XXXX account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a XXXX  XXXX account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with XXXX XXXX disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of XXXX XXXX. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only XXXX XXXX. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by XXXX XXXX from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for XXXX XXXX 's negative reporting on my file, for another individuals action.

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 2023-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I've provided copy of receipt of payment that wasn't posted to my account. XXXX month pass due. Company have a agency putting notes on my door every month. I've ask them to stop, its public shame and harassing me and my family. my neighbors asking question about the notes on my door.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
According to the CARES Act, my student loan should be in forbearance until XX/XX/XXXX. Navien has even reporting bad to my credit XX/XX/XXXX- XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
On XX/XX/2023 i made a payment electronic bank to bank, the bank never recieved, i requested return my money they said they can't. Now they sent me a verification file number, transaction number and address, this address is not bank in this address, i being calling XXXX times to try to get help with this bank i have not help, i do not know where my money is i paid {$810.00} dollars i need a help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I am writing to bring to your attention a serious issue I have encountered with my mortgage service company, Selene Finance LP. I am the property owner with nine loans serviced by Selene Finance, and I am deeply concerned about their failure to make timely property tax payments to the city of XXXX for the 4th quarter of XXXX. 

Due to Selene Finance 's negligence, I have been subjected to accumulating late fees, interest charges, and the imminent threat of potential liens on my properties. This situation is causing significant financial strain and poses a severe risk to the stability of my real estate investments. 

I have made numerous attempts to communicate with Selene Finance regarding this matter, but their response has been inadequate, leaving me with unresolved concerns and mounting financial burdens. It is clear that Selene Finance has failed in its obligation to manage the timely payment of property taxes on my behalf, jeopardizing the integrity of my real estate holdings. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. I believe that Selene Finance 's actions not only violate the terms of our mortgage agreement but also demonstrate a disregard for the financial well-being of its customers. 

The consequences of Selene Finance 's negligence are not only affecting my financial stability but also have broader implications for the community, as the 4th quarter property taxes contribute to essential public services. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and work towards a swift resolution that alleviates the financial burden imposed upon me. 

Enclosed with this letter, please find correspondences with Selene Finance account managers as a result of their failure to make timely property tax payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  {$15000.00} this item is reporting inaccurate on my credit report I have sent all requested supporting documents to support my claim I request that all inaccurate reporting items be blocked and removed 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 explanation
Consumer complaint received 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint to EXPERIAN. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/2023, XX/XX/2023 and XXXX XXXX, I submitted dispute letters to EXPERIAN, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that EXPERIAN will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/23, I received a letter of rejection for a credit card from Wells Fargo. I did not apply for this credit card. I called Wells Fargo at XXXX to inquire about the request. They submitted a fraud report to the credit bureaus and suggested that I submit a complain with the FTC.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have received XXXX messages from Resurgent Capital Services claiming I owe money and sending me links to pay off my balance. I thought this might be a scam and have ignored it, but I looked into it and they seem to be a legitimate company. However, I dont have any outstanding debts and I even checked my credit reports to ensure that I was not mistaken. I have tried to block them several times and they keep contacting me by text message. I do not owe any money, do not have any loans, and I pay off all my credit cards in full every month. Im not sure if someone else has given my phone number to these debt collectors in attempt to steal my identity.

Company response to consumer: Closed with explanation