vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-04 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
ON XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE AND THE FOLLOWING OTHER COMPANIES ON XXXX XXXX XX/XX/223 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 INQUIRED INTO MY CREDIT FILE WITHOUT MY WRITTEN CONSENT THESE INQUIRIES ARE THE RESUALT OF FRAUD AND IDNITY THEFT AND WERE NOT AUTHORIZE BY ME PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S.C SECTION 608 THESE INQUIRIES DOES NOT REFLECT COMPLIANCE WITH THE ACT AND FURTHER VIOLATES THIS STATUE BY FURNISHING INFORMATION THAT IS NOT COMPLETE AND ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved 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 2024-01-04 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-04 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please 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 non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2024-01-04 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: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/2023

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 2024-01-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MA

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe to be inaccurate. On XX/XX/XXXX, I contacted TransUnion to address discrepancies, but as of today, there has been no response. I am seeking your assistance in rectifying these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$540.00} ) : This account does not belong to me, and I request its immediate removal from my credit report. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$460.00}, Account # : [ Your Account Number ] ) : I dispute the reported balance of {$460.00}, as I believe it to be inaccurately high. 
The account is closed and charged-off, and the Past Due amount is incorrectly presented. 
Please mark this account as disputed while I address the issue with the creditor. 
I request verification of the Date Opened, Date of Status, and First Reported. 

XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ) This account is not mine, and I request its immediate removal from my credit report. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : I dispute the reported balance of {$260.00}, believing it to be inaccurately high. 
The account is closed, and the Past Due amount should not be reported. 
I intend to address this with the creditor and request that you mark this account as disputed during resolution.

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 2024-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am writing to file a formal complaint against Freedom Mortgage regarding the protracted and inefficient processing of my forbearance request, which has persisted for over five months. Despite diligently providing duplicate documents as requested, the progress has been disappointingly stagnant. Moreover, the repayment solutions offered present an undue burden, with both options threatening to increase my monthly payment by {$400.00}. This exacerbates the financial strain resulting from job loss, which initially prompted the forbearance request in XX/XX/2023. At that time, my wife was unemployed, while I was the sole breadwinner. Circumstances have since evolved with my separation from the company, leaving my wife as the sole income earner. I urge the Consumer Financial Protection Bureau to intervene swiftly, ensuring a fair and expedited resolution to this pressing 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Been going through a tough financial year due to a divorce. I have been able to make monthly payments that satisfy the due amount, but every month I see the late charges increasing. I called the service line to get an explanation on how late fees work, but the rep did not know that information. Asked if I could get a breakdown of the late charge fees ( I had never seen a {$300.00} late charge accrued fee ) but was not able to get a straight reply. The rep explained that Wells Fargo provides a 15-day grace period after a payment is due, then the fees hit ; however, rep was not able to explain systematically how they work. Every time I make a payment, you would think I would be hitting some of those late fees, but every statement they seem to be getting larger. My concern is not so much about the late fees itself, after all ; did not pay on time ; my concern is about the legal grounds of the late fees. It does not seem to be a straightforward charge.

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 2024-01-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE INFORMATION IS INCORRECT XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-04 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: GA

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-04 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: MA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a dispute I am currently experiencing with Experian, a credit reporting agency, regarding inaccuracies on my credit report. I have followed the necessary procedures to dispute the information directly with Experian, but as of the date of this letter, I have not received a response from them. 
On XX/XX/XXXX, I contacted Experian regarding the following inaccurate information on my credit report. Unfortunately, Experian has not responded to my dispute. The details of the inaccuracies and the required corrections are as follows : XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Original Creditor : CXXXX  Please remove this account from my credit report. 

XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Original Creditor : XXXX Please remove this account from my credit report. 

XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Original Creditor : XXXX Please remove this account from my credit report. 

XXXX XXXX Account : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$540.00} Please remove this account from my credit report. 

XXXX XXXX Account ( Verification Required ) : Date Opened : XX/XX/XXXX Balance : {$460.00} Please verify the accuracy of this account, correct the balance, and mark it as disputed until resolved with the creditor. 

XXXX XXXX Account # XXXX : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} Please remove this account from my credit report. 

XXXX XXXX Account ( Verification Required ) : Date Opened : XX/XX/XXXX Balance : {$260.00} Please verify the accuracy of this account, correct the balance, and mark it as disputed until resolved with the creditor. 

XXXX XXXX XXXX. Account : Date Opened : XX/XX/XXXX Balance : {$610.00} Please correct the inaccuracies, remove the past due amount, and mark this account as disputed until resolved. 

XXXX XXXX XXXX Account : Date Opened : XX/XX/XXXX Balance : {$14.00} Please correct the inaccuracies, revise the past due information, and mark this account as disputed until resolved.

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 2024-01-04 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:
With in minutes of each other experian again says is working on the same issue on 2 complaints well like all the other complaints they have done Nothing but give stupid explanations that makeno sence

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 2024-01-04 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: GA

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
fraudulent charges were made on my bank account. The bank did not provide the information I requested. I have been calling bank customer service but they are requesting me to complain in writing which i already did multiple times but when i call citibank employees unable to find my complaint or written complaint in the system. I have been maintaining this account with the city bank since XXXX  Over a few months some company called XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX has been charging different amounts against my citibank account. 
My account has been negativesince last XXXX due to the fraudulent charges. I need CITI Bankto provide all information about the charges such as who or what device was used to make these charges from what location. I am demanding a complete reviewof all the chargersfrom the beginningof XXXX till now and refund my money for the all fraudulentchargers.

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 2024-01-04 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: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
THIS LOAN IS CURRENTLY WITH SPS SERVICING LOAN # XXXX WE HAVE SUBMITTED A SHORT SALE APPLICATION MONTHS AGO WITH XXXX RESPONSE FROM SPS SERVICING. EVERY DAY I CALL FOR A STATUS UPDATE I AM TOLD THAT THEY ARE ESCALING THE FILE. 

THE REAL REASON THE FILE IS SITTING AT A STANDSTILL AND NOT BEING WORKED ON IS BECAUSE THE FILE IS DUE FOR A SERVICE TRANSFER ON XX/XX/ TO XXXX XXXX. FOR THIS REASON SPS HAS REFUSED TO CONTINUE TO SERVICE THE LOAN WHICH THEY ARE REQUIRED TO DO UP UNTIL THE SERVICE TRANSFER DATE. IF THE CUSTOMER OWED SPS MONIES THEY WOULD NOT JUST IGNORE THAT POINT THEY WOULD HOUND THE CUSTOMER FOR THE PAYMENT UP UNTIL THE SERVICE TRANSFER DATE. PLEASE INVESTIGATE THIS COMPANY FOR FAILURE TO PERFORM THEIR REQUIRED DUTIES UNDER THE SERVICING CONTRACT AGREEMENT WITH THE INVESTOR AND THE HOMEOWNERS A RESOLUTION TO THIS MATTER WOULD BE FOR THE CURRENT SERVICER SPS TO APPROVE THE SHORT SALE OR ASK FOR A HIGHER OFFER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NC

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry DaXXXX XXXX  and XXXX Inquiry Date 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 2024-01-04 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: Westlake Services, LLC
State: DC

Complaint narrative:
ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE FOLLOWING OTHER COMPANIES ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED INTO MY CREDIT FILE WITHOUT MY WRITTEN CONSENT THESE INQUIRIES ARE THE RESUALT OF FRAUD AND IDNITY THEFT AND WERE NOT AUTHORIZE BY ME PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S.C SECTION 608 THESE INQUIRIES DOES NOT REFLECT COMPLIANCE WITH THE ACT AND FURTHER VIOLATES THIS STATUE BY FURNISHING INFORMATION THAT IS NOT COMPLETE AND ACCURATE

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 2024-01-04 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: NY

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX file of my dispute letters that were sent to the involved 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