vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have been contacting One Main Financial for over a year, at least before XXXX of this year ( XXXX ). I have XXXX past accounts with them. Records show that XXXX loans were paid off as a requirement in the process of obtaining additional funds. I also just found out about the lawsuit regarding " Additional Products '' refund, to which I believe I have claim & my complaint now includes. My initial complaint though is as follows : Because I had some records damaged in XXXX, I contacted One Main Financial in good faith, to replace my documents. As the consumer, & original creditor, I never thought once this would be a problem. I requested original copies of loan applications/ contracts, & past statements, what would be a full & total accounting of EVERYTHING I had paid including any fees, to One Main Financial for ALL loans. To date ( XX/XX/XXXX ) they do have the documents and to be clear, after MUCH time, effort, numerous calls & emails, I have finally received contracts for the above-mentioned accounts. However, after the original request, MANY re-requests, phone calls & more emails for the accounting, I only always receive a document that I can not easily read let alone understand. For sure I have NEVER received the corresponding statements to any of the loans. It makes sense to someone there, but it is foreign to me. I have reached out to One Main Financials Legacy Team like 50+ plus times contacted management, etc., anyone I could think of to please just send statements. This includes Executive Office Customer Care ( XXXX ) XXXX XXXX, Executive Vice President & Chief Operating Officer, XXXX XXXX, Executive Vice President ; Spoke to XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, to a main supervisor supposedly, XXXX XXXX XXXX XXXX, XXXX XXXX @ XXXX XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ( XXXX ) stating someone would be following up by XX/XX/XXXX. That never happened. Ive sent emails, soo many emails, and now they have just stopped responding. I want One Main Financial to send me statements for ALL loans, for the duration Ive had with them. I want One Main Financial to send me a legible, understandable accounting of what I paid out for each loan, including any and all FEES! I want One Main Financial to acknowledge in writing, any viable claim on my behalf as it applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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:
Hello I have requested XXXX credit reporting agencies to update my personal contact information with name and address which is showing incorrectly. I am asking for help to contact the credit bureaus

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 2024-08-18 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: NJ

Complaint narrative:
Hello I have requested XXXX credit reporting agencies to update my personal contact information with name and address which is showing incorrectly. I am asking for help to contact the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I use PayPal. Someone who said she's a friend asked for money via PayPal. After that she wanted more money. I started to get a bad feeling that I was being scammed. I don't know why there's so many scammers on PayPal. The transaction was {$28.00} and the date of the transaction was XX/XX/year>. PayPal said they would help, but I have doubts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to dispute an account on my credit report, which I have contested XXXX times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : XXXX Account Open XXXX Debt Paid in Full : This debt has been paid in full, and the company agreed to remove all negative reporting from my credit report. 
Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you : Provide the last billing statement from the original creditor, showing the amount due and the date it was due at the time of payoff.

Correct the status of this account to reflect that it has been paid in full and remove the " Charged Off '' designation.

Confirm that the negative reporting related to this account has been removed as per the agreement.

If you can not provide this information, I request that this account and any associated negative reporting be deleted from my credit report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-08-18 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: CA

Complaint narrative:
I signed in Experian this year to find out that i had wrong information on my credit report on XX/XX/XXXX I sent a dispute and nothing happened.

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 2024-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: South West Recovery Inc (CA)
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XX/XX/XXXX SOUTHWEST RECOVERY XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX XXXX XXXX XXXX You are reporting and publishing inaccurate and incomplete information collections in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunities. The following account information you are publishing about me is inaccurate and incomplete. Please exercise your due diligence and verify the information is 100 % complete, accurate, true, timely and also complies with all XXXX FCRA guidelines on reporting data to a credit report. 
XXXX XXXX XXXX : XXXX The Date of Last activity is inconsistently reported across the XXXX agencies. 
The account is listed as open, yet it is not an open account. 
The payment history is reporting inconsistent status of 30, 60, 90 & 120 day late on dierent months.

Whenyou are not able to verify the accuracy and completeness of the information, I request that you delete the above-listed tradeline / collection account and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. 
If you conclude that the tradeline item is verified, I request details of your method of verification. For identification purposes, my social security # is XXXX and date of birth is XX/XX/XXXX I enclose a copy of my as proof of identity and mailing address. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the relevant information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 
Your prompt attention to this important matter is requested in compliance with federal law

Company response to consumer: Untimely response
Consumer complaint received 2024-08-18 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: OH

Complaint narrative:
I am extremely frustrated to see that there are several accounts on my credit profile that have been fraudulently reported. These accounts do not belong to me and I have made multiple attempts to notify your company to remove them. However, despite my efforts, these accounts are still appearing on my credit profile. This is unacceptable and if these accounts are not removed immediately, I will have no choice but to take legal action against your company. The attached document serves as proof of the fraudulent nature of these accounts. I demand that you remove them from my credit profile without any further delay. 
XXXXXXXX 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 2024-08-18 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:
On XXXXXX/XX/year> I submitted a direct dispute via certified mail to Equifax demanding they remove all inquiries and all fraudulent information from my credit report however Equifax did not remove anything in fact they were being bias and keep the information on my credit report after Ive sent in proof of identity proof of residency Now today as of XXXX they have not removed the inquiries and fraudulent accounts from my credit report in which now Im filing a federal suit and seeking financial damages and EQUIFAX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: IL

Complaint narrative:
I have sent requested information for this company a number of times. However, they keep sending back information as verified with no consent from me. I have sent them letters from the court saying they do not verify information. I did not verify and I opt out and have opt out of any third party using or sharing my information. Yet, they refuse to remove the information I have requested a number of times and keep sending back the same information which is not verified. I have also found other errors on my report that have been updated and this bankruptcy information has not been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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 have sent requested information for this company a number of times. However, they keep sending back information as verified with no consent from me. I have sent them letters from the court saying they do not verify information. I did not verify and I opt out and have opt out of any third party using or sharing my information. Yet, they refuse to remove the information I have requested a number of times and keep sending back the same information which is not verified. I have also found other errors on my report that have been updated and this bankruptcy information has not been removed as requested.

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 2024-08-18 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:
Since XX/XX/year>. XXXX  XXXX have charged off, closed and reopened this account a total of XXXX times. This account is being reported to the credit bureau with an incorrect address and incorrect status of the account. According to code 15 usc 1681eb the credit reporting agencies have the responsibility of reporting maximum accurate information to my credit report. How are they reporting income to my credit report ; when this account is in charge off status and the IRS has considered this account canceled or forgiven debt.

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 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I been calling for over XXXX years now never received my money the sat it in the frud department on my paperwork the person name is XXXX XXXX XXXX XXXX XXXX XXXX I been asking of XXXX years that's a law suit

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 2024-08-18 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have been in my home since 2006 and I still owe the same amount of money that I purchased my home for XXXX  years ago. I believe I have a place predatory loan and would like to move forward to what I could do. My interest rate continues to climb with no notices and my principal hasnt dropped. Im in the process of getting a mortgage lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: WA

Complaint narrative:
Last year XXXX XXXX our mortgagor, reported XXXX late payment that arrived on time automatically but was short due to an increase we were not aware of. Apparently our fault as they supposedly sent a notice. 

Then I was notified of a reduction, big reduction in my credit score. 
Then I filed a complaint. case closed then we are notified our personal information has been " compromised '' so as instructed we sign up for " True Identity '' through Transunion reporting services where if you call you get someone in another country and the guy who barely speaks XXXX asks for my FULL SS #. I hung up. 
this year i get another credit reduction and ( after the last complaint ) yesterday I was notified my credit score had been updated to XXXX, another reduction! For what?! 
I am XXXX XXXX XXXX and have been independent financially with an XXXX-credit score. 
My score is now XXXX! 
**I paid off a XXXX loan on my house in XXXX  years, NEVER pay bills late so what is going on here! I've had car loans, a mortgage, excellent renting history before buying again. I've had many credit cards all accounts closed in good standing. 

Please help me get some answers and justice with these unscrupulous corporations.

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 2024-08-18 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:
Hello - The weak security at Experian Credit Bureau had allowed hackers to get into my Experian account, changed the password and recovery email, and locked me out. Hackers were able to gain access of my credit history, which helped them to attempt to open financial accounts in my name. This happened in XXXX XXXX i called Experian and regained access to my account and i deactivated my account, and file a police report. 

In XX/XX/2024, this happened again with Experian, which i learned after i received an email from Eperian that my account was activated. Soon after more credit inquiries were made into credit history, and more attempt to open accounts in name, and XXXX successful fraudulent account in my name was opened with XXXX. i could not log into my Experian account and my email no longer worked. i filed a second police report. i am in process of writing to Experian to fix this. 

Experian allowed someone else to change my password without notifying me using the email or phone number on file. This is not the standard with most other companies, even ones not related to important matters like finances or credit, where resetting passwords are done through a link to the email on file. the only communication i received from Experian was the email about my account being up again ( after password was changed ), then soon after i could not access it ( after email was changed ). 

I first time i spoke to Experian, the agent did not know how this could happen ; the second time, i spoke to an agent and a supervisor, each either did not acknowledge my concern, did not know how this could happen, argued this could not happen, or minimized possibility of anything done to fix it. 

This is not a new problem with Experian as old articles show.

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 2024-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VT

Complaint narrative:
Nissan account number XXXX was included in a bankruptcy but nissan has it as a chargU.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that is part of Title 15 of the U.S. Code, which covers commerce and trade. The section includes congressional findings and a statement of purpose that governs access to consumer credit report records and promotes accuracy, fairness, and privacy. 
The section also requires consumer reporting agencies ( CRAs ) to : e off 15 u.s. codes 1681 ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had identify theft where someone used my debit card and created fraudulent charges. Wells Fargo refuses to issue credit and rebilled my account for fraudulent charges. I have filed identity theft reports with the police, FTC, all ( 3 ) credit bureaus. I am also in the process of filing a civil lawsuit against Wells Fargo. I demand they credit my account in full!

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 2024-08-18 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: IL

Complaint narrative:
I have found a number of inaccuracies on my report. This company is still posting information that is almost XXXX years old. XXXX XXXX is a charge off which is considered income and is well over XXXX  years and should be removed from my account immediately.

Company response to consumer: Closed with explanation