vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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:
Experian Report ID # XXXX I contacted Experian in XX/XX/2023 and XX/XX/2023 to dispute the items directly online. Some of the items are unable to be disputed online. 

XX/XX/2023 : I contacted Experian via USPS mail requesting to dispute and update my name, address and social security number. I provided a copy of my state id and social security card. The following information below : Name ID # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Address ID # : XXXX, XXXX, XXXX. 

In XX/XX/2023 : I disputed an account in collections as it is not mine and belongs to someone with a similar name. I provided Experian with the proof of my identity, as well as the insufficient verification documents provided by the collection agency. The collection Agency did not verify the account ownership. They sent me a copy of the credit card statement, which does not prove ownership. Therefore, Experian should be required to delete the account. 

In XX/XX/2023 I provided Experian with a copy of my social security to confirm my identity and delete the XXXX social security numbers currently listed on my credit report. What is currently listed belongs to my XXXXXXXX XXXX children. 

I have attached a copy of my social security card, my state identification, a copy of my experian credit report with the incorrect information and a copy of the verification documents I received after disputing the account in collections directly with the current servicer.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received a letter from Chase stating that I applied for a Chase Freedom Visa Platinum credit card and was denied. I never applied for the card. They reported that they checked my credit score, as well. This was done without my knowledge or consent. I never will and never had a Chase account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank BJ 's Mastercard provided my private information to 3rd Party creditor XXXX XXXX XXXX without my permission. BJ 's shared my banking information with XXXX. XXXX 's sold my debt after it is was discharged without notification after several tries trying to rectify the situation. The amount of {$3400.00} was discharge by Comenity Bank BJ 's Mastercard. My private information-banking statements was furnished to XXXX XXXX XXXX by BJ 's Mastercard without my permission. My Bj 's account has since be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: MO

Complaint narrative:
Experian has closed another complaint that didn't fix or address the issue but in the explanation it even states many factors make up your credit score like ON TIME NEVER LATE PAYMENTS which that's what's my issue is about Experian stealing 17 months of on time never late payments to XXXX and refuse to give them back

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Purchased a credit reporting subscription from creative analytics company. My account was under review for almost a year. I sent an email on XX/XX/2023 to cancel due to not being able to utilize the services. The company replied back with an email stating my account had been activated that same day sorry for the inconvenience they werent willing to refund my account. They also offered to report two extra reports if I agreed to keeping services. I replied and declined the offer advised the company I did not want to keep the service. I reached out to my bank and filed a dispute the bank advised they would put a stop payment on the account. However the bank has allowed the company to continue to take funds from the account. I am very upset with the company and with the bank. Someone reached out from this company stating she would refund me once I provide my login information. I advised I do not have access to that information anymore and why did I need to give login info for the company to honor my request for canceling. Providing the company with login credentials means they could rack on on products under my account. This company is stealing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
Hi there, My wife and I are relocating from XXXX to XXXX. We went out there XXXX XXXX found a home we really loved. Come approx XX/XX/XXXX XXXX we started the reapproval process with XXXX XXXX of CMG Home Loans " XXXX XXXX XXXX '' who was the preferred lender of XXXX XXXX. This is our first time ever dealing with a preferred lender as is our first time buying new home construction. The builder was offering incentives so we went with CMG Mortgage and started the pre-approval process. In order to go under contract we had to put down XXXX of earnest money to hold the lot. We were told that we would be locked in at a 5.75 % interest rate which we thought was good at the time, because we know interest rates were rising. As we get closer to the close date, we had to do another credit check and the numbers were reconfigured. We then received quotes showing that the interest rate went up to 7.625 %. It wasn't until we pushed back that they made a " last minute deal '' and then all of a sudden gave us the original interest rate, by then we had already spoken to lender that our real estate agent has done business with for years and he said we were XXXX XXXXXXXX from  every angle and the fees are astronomical. It was a that point we knew we were dealing with dishonest people for the biggest transaction of our life, we no longer wanted to do business with other one of them because of how dishonest they were. Now my family is without a home, down XXXX that the builder will not release all because of a greedy loan officer who thought we were too stupid to know what was going on under our nose. Our real estate agent pleaded with the builder to get the money back and we had no such luck. If it wasn't for the lack of transparency and communication, we wouldn't be down XXXX that we could have put going elsewhere. Now we're trying to figure out our next moves and hope and pray we don't get taken advantage of again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: LA

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 2023-11-22 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: LA

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 non-monetary relief
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 

As a result, the courts found that collection of this account is not a valid permissible purpose to obtain a consumer report. 


For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. ( 15 U.S. Code 6802 ) -SEE ATTACHED FINAL NOTICE!!!

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've been disputing this Since XXXX they Refuse To remove it.. It's causing me hardship I can't rent a home so I've been homeless because no one will rent to me I tryed to get a car can't get a car it's just causing me so much hardship and I can't seem to get any help I feel this is not right.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 2023-11-22 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: NV

Complaint narrative:
I submitted copy of identification 3 times, copy of XXXX 3 times, I submitted Utility bills 3 times, I submitted paystub all reflecting current address of XXXX 3 times. XXXX continue send stall letters instead of correcting the misinformation after submitting the recommended documents they requested to verify my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
On XX/XX/2023, we purchased the Vanilla Visa gift card because it states it can be used anywhere online and it also states online that it can be used with XXXX, which is what we needed to use it for to pay a bill. However, when we went to pay the bill XXXX needed our zip code, which is a very common thing that is needed when you enter your info online to pay a bill. We entered our zip code and it didn't work. So we looked up the Vanilla zip code and that wasn't correct either. So we called Vanilla and got a person with a very thick accent who we explained the entire situation to and when we got done he said " so you are having trouble using your card in store? '' which is not at all what we had just said. And when we got done explaining all over again, in even clearer terms he said " oh you can't change your zip code '' without even looking it up to make sure he was correct. 

We had just paid {$6.00} to get this card and didn't have a lot of extra money to buy the correct card so we asked for a supervisor to make sure he was correct since he didn't seem like he knew what he was talking about. He said that the supervisor would say the same thing but put us on a hold line for over XXXX minutes and never got us to a supervisor. I'm not even sure he put us on a line for a supervisor, I think he just put us on hold and then went on to someone else. 

We had to do research online to find out that it was something they used to do but now per XXXX they don't change the zip code anymore, so you can't even use this card on XXXX. So saying on the packing and online that it can be used " anywhere online '' is absolutely false advertising as if you can't even use it on XXXX, the world 's largest online retailer, then it's not true that it can be used anywhere online. Also, I understand that there is going to be a language barrier with people in XXXX, but the person on the other line should be able to to at least understand what is going on well enough to understand our predicament. This person didn't even seem to grasp the very slightest bit of English. That is not ok if they are going to be working with mostly English speakers and need to be solving problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: IN

Complaint narrative:
On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX. This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.

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 2023-11-22 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: NY

Complaint narrative:
I called transunion and equifax to verify who is reporting as Dept of the Treasury on my consumer reports. I have no knowledges of these creditors and furthermore they are reporting balances I have no knowledge of. The phone number attached to Dept of the Treasury is not a valid phone number so I cant verify who this creditor is and Im wondering how did they furnish such inaccurate information. Also these accounts are open but reporting as collections and its displaying I made payments to a creditor that I have no knowledge off. This information is in fact inaccurate which is violation of my FCRA rights. Furnishers of information have a DUTY to report information with maximum accuracy and these consumer agencies have failed which is a violation of a XXXX dollars each. 15 usc 1681q states 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. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies States that 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. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information with maximum accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Received a {$100.00} pre-paid American Express credit card as a bonus from my employer ( which I am being taxed for ) on Monday, XX/XX/23. I attempted to purchase a {$99.00} order from Amazon that same day using the card. On XX/XX/23, a {$0.00} transaction from Amazon was made on the card which is still there on the American Express website, but on XX/XX/23 I received an email from Amazon saying the purchase was declined. I then attempted to make a {$95.00} purchase on Amazon to load my account 's gift card balance but that also was declined. There are no transaction logs or any other information on Amex 's website to indicate why the transactions were declined, and all transaction amounts were lower than the available balance on the card. Lastly, I tried to link the Amex card to my Paypal account and it did not even allow me to link it. At this time, my balance is still {$99.00} due to the {$0.00} transaction for a purchase that was ultimately declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
I checked my credit report and noticed that there were unauthorized inquiries showing without permissible purpose that i did not consent to and id like to have them removed. I tried contacting this company directly and struggled getting a representative on the phone. The inquiries id like removed are below : XXXXXXXX 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 2023-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
On XXXX " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, XXXX on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
Several borrowers were granted a 3-month administrative forbearance due to Mohela 's failure to provide billing statements a full 21 days before the resumption of student loan payments. Notably, Mohela faced a historic fine for this specific issue. Affected individuals were informed of their placement on administrative forbearance and instructed to contact Mohela to request a refund for their XXXX and XXXX payments. 

Upon discovering that my account was not placed on administrative forbearance and that my payments for XXXX and XXXX were processed, I contacted Mohela and engaged in a conversation with XXXX, XXXX # XXXX. She explained that, as I was enrolled in auto-debit, I did not receive a traditional billing statement. Instead, I received an auto-debit reminder on XX/XX/XXXX for the payment scheduled for XX/XX/XXXX. However, the email reminder actually arrived on XX/XX/XXXX, providing only a 10-day notice before the payment draft ( see attachment ). This falls short of the required 21-day advance notice. This happened again in XXXX as I was notified on XX/XX/XXXX that my bill was due on XX/XX/XXXX ; again not providing me the full 21-day notice. 

XXXX clarified that the forbearance was exclusively intended for those affected by the lack of a 21-day notice through a billing statement. Nevertheless, I did not receive a billing statement at all, and if the auto-debit notification is considered the billing statement, I was not notified 21 days before the payment was drafted. Also, I never signed up for auto debit with Mohela, that information was transferred from my previous servicer. Mohela has had so many problems that I was terrified to change anything on my account. 

It is evident that this policy has not been consistently applied to individuals on auto-debit who faced similar issues. The same policy applied to those who did not receive billing statements 21 days prior to their payment due date should be applied to those who are on auto debit as we are similarly affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation