vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to Experian through XXXX Certified Mail, Tracking # XXXX and XXXX. 

The same information submitted by certified mail was also uploaded online through Experian Dispute portal. I have spoken to several Experian Membership Team members as well. I spoke to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX this morning ( XX/XX/ ), when I ask for Supervisor they decline to transfer the calls and hang up. 

Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, Experian Membership Team nor the Fraud Department has done any corrections to my credit report. Unfortunately, as a result of this inaccurate information reporting by Experian, other credit agencies such as XXXX and XXXX is also reporting this fraudulent inaccurate information. XXXX and XXXX has confirmed that they are reporting as for the information provided by Experian. 

I was in the middle of refinancing my house, due to Experian reporting inaccurate information which is a result of identity theft I was denied the mortgage. 

I also attaching the documentation to this report. 

1. FTC Identity Theft Report 2. FTC Identity Theft Letter 3. Police Report 4. Copy of Drivers License 5. Other requested personal information

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 2023-11-07 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 have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This can't be happening!! This company must remove the as they need to validate this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've provided the attached documents for your review. My request is for the bureau to begin an investigation into these accounts, for I have a flawless record of timely payments, and it is unjust for them to label me as late. This is inconsiderate, considering the consistent effort I've put into making these payments punctually.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IL

Complaint narrative:
My student loan was transferred from XXXX XXXX to Edfinancial on XX/XX/XXXX. Since the transfer the monthly {$100.00} payments made to my account by my employer are missing, in addition I have not received or able retrieve any student loan statements since the transfer on XX/XX/XXXX. I've requested the previous statements and my account to be updated to reflect the payments that have been made but my account still has not been updated nor I have received the requested statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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 and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. 

The fraudulent account appearing on my credit report is XXXX. 

I only ever opened two accounts in my lifetime and those are XXXXXXXX XXXX and XXXX XXXX  card, whatever else showing on my Credit file is not mine and is direct result of Identity Theft. 

XXXX and XXXX removed the fraudulent above account but Transunion failed to do so and did not even respond to my inquiry. 

Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act.

I have attached the Police Report and proof of my identity to this inquiry.

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 2023-11-07 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 and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. 

The fraudulent account appearing on my credit report is XXXX. 

I only ever opened two accounts in my lifetime and those are XXXXXXXX XXXX and XXXX XXXX card, whatever else showing on my Credit file is not mine and is direct result of Identity Theft. 

XXXX and XXXX removed the fraudulent above account but Transunion failed to do so and did not even respond to my inquiry. 

Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act.

I have attached the Police Report and proof of my identity to this inquiry.

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 2023-11-07 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-07 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-07 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: FL

Complaint narrative:
I did not make these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-07 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Please examine the attached documents. I am seeking an investigation into the accounts that report me as late, even though I have never been late on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In your letter dated XX/XX/XXXX you stated after you provided proof that you had acquired insurance coverage yourself we canceled the insurance we got for you and sent any refunds of the premium you pay to your escrow account 1. Please send me a copy of the letter the insurance copy that you received showing I had insurance from XXXX through XXXX with the same company you failed to provide that in your prior explanation when doing an investigation you must supply the homeowner with the investigation the documents you acquired how you corrected your error you failed to do that in this letter dated XX/XX/XXXX you're obviously trying to avoid the obvious. Also explain why you think returning a check for {$2200.00} in XXXX of XXXX and foreclosing on the homeowner and taking their house away makes them whole. 
This check was payable to XXXX XXXX but you stopped payment on the check I want to know who gave you those instructions to put a stop payment on the check who the check was issued too I want a front and back copy of the check to see who benefited from my money You violated the law because you had 30 days to do the investigation come to a conclusion tell the homeowner you made a mistake and correct the escrow account you chose to break the law and wait five years the homeowner suffer because you failed to follow the law? 
1024.35 Error resolution procedure Your servicer must generally confirm it received your letter within five business days and respond with an answer within 30 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

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 2023-11-07 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
In accordance with the Gramm Leach Bailey Act, Title V, subtitle A of this act, 15 U.S.C. 6801 requires the FTC, along with federal banking agencies and other regulators, to issue regulations that financial institutions protect the privacy of consumers personal financial information. Such institutions much develop and give notice of their privacy policies to their own customers at least annually, and before disclosing any consumers personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to opt out from such disclosure. Under the Dodd-Frank Act this rule making authority transferred to the Bureau of Consumer Financial Protection . The act also limits the sharing of account number information for marketing purposes. In accordance with the Fair Credit Reporting Act, Prestige Financial Services has violated my rights 15 U.S.C. 1681b ( a ) ( 2 ) [ ( 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 data of an account with my written instructions. The company is falsely accusing me of owing them {$18000.00} for collateral they possessed and resold. In direct violation to 15 U.S.C. 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-07 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 Fair Credit Reporting Act XXXXXXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have made several attempts to pay my car note online through the online portal and I get a message that states that I have to call in to speak with customer service. When I call in the phone will hang up each time, so therefore I am not able to reach anyone to talk about my loan or pay it nor I can pay it online as my access to the online portal has been denied. I have questions in regard to my account but not able to reach anyone.

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 2023-11-07 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: NY

Complaint narrative:
This inquiry was not authorized by me and was conducted by that creditor without my consent. It is imperative that you remove it without delay.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
While in XXXX XXXXXXXX XXXX from XXXX to XXXX, I had my XXXX, drivers license and Wells Fargo debit card stolen. I believe they stole my XXXX  while it was unlocked as they were able to access online banking, XXXXXXXX XXXX XXXXXXXX and other applications in order to make several fraudulent charges. 
Once they had access to this information, they were also able to disable my find my XXXX, change my XXXX ID information which prevented me from remotely locating or accessing any of the information stored on the phone. I immediately contacted Wells Fargo and XXXX to report the cell phone stolen and to cancel my debit card. 
A week later on XXXX, I received a phone call from XXXXXXXX XXXX XXXX support in regards to suspicious activity. However, I do not own or have never inquired about opening an XXXXXXXX XXXX XXXX. I was informed that an XXXXXXXX XXXX XXXX had been opened in my name, however by filing the necessary paperwork I was able to get this Account closed. 

Wells Fargo continues to reject my additional information and claims around the fraudulent charges. Claim XXXX was opened and then disputed to the full amount of {$3300.00} as these transfers were made to an XXXX XXXX account that I have no access to. Claim XXXX was also opened and then disputed to the full amount of {$200.00} as this transfer was made to an XXXX XXXX account that I have no access to. 

Wells Fargo Credit Card Claim XXXX for XXXX Cash Advances and a total of {$2400.00}. Their rejection is now resulting in additional interest charges to my Credit Card 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 monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX I negotiated with Navient to get my loan payments in order. I have the text messages clearly showing the agreement from the XXXX that I agreed to make the payments we decided on through XXXX of XXXX and would call back in XXXX to re-apply for these monthly automated payments. We were making these payments with out an interruption. 

Then suddenly two weeks ago I got repeated calls from Navient telling me my payments had stopped and I was apparently having a problem paying. When I asked them to look through their records they could not identify why the payments had stopped. 

once again I RE- INSTITUTED the auto pay. By now my credit score had tanked. I asked Navient for the audio tapes from our conversations as all of these calls are recorded. They told me they would not give me the recordings. I am attaching the text documentations to see that I had agreed to the payments back in XXXX. There was something in their system that ceased to work and penalized me. Please address this.

Company response to consumer: Closed with explanation