vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
I have been writing to this company for the past several months and although I have asked on numerous occasions to remove inaccurate information and let them know I do not consent to having my information shared as well as tried to dispute items that are inaccurate/not correct they are still showing up on my report. They have had several data breaches and I have put in claims for those breaches as well. I do not want my information showing up on these reports without my consent and I have NOT consented to anything. I would like any accounts that are showing up to be removed I am opting out of it all.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the following FTC report and remove the unverified collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
My experian credit report is showing that there was a missed payment on my federal student loan 11 times in 2017. My federal student loans were consolidated and transferred to a new servicer at that time, automatically, not at my request and there was never a payment missed.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: OR

Complaint narrative:
Company continues to provide my credit report to other companies without my consent after opening an account in my name without my permission.

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 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
I cosigned for a lease on XXXX and asked that my name be removed via a phone conversation in XXXX. I had no knowledge the lease was still in my name as all communications from them stopped. 

In XX/XX/XXXX a collection debt for {$15000.00} showed up on my credit. When I called they advised me it was for the lease I cosigned. I asked for proof that I signed a new lease in XXXX and they have not been able to provide it and is charging me {$2.00} in daily interest. 

They sent me a letter statement of the balance owed but no proof of the lease with my email that the leasing company had on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax EquifaxXXXX XXXX XXXX XXXX XXXX has yet to provide proof to the account being removed from my credit report as stated. 

Equifax caused issues with my credit card being XXXXXXXX XXXX XXXX XXXX in which Equifax cause harm to my card being cancel. 

Equifax did not have my permission nor consent nor did I ask them to contact XXXXXXXX XXXX XXXX  XXXX XXXX. 

Equifax is not above legal agreements between me and my credit card Holder. 

Equifax can not show me any proof legally or contract or digital signature of me giving consent to my issue that was filed. 

My issue was that my credit cards was all paid off nothing else was ask or file but to update correct balances. 

Equifax also has created address as phone numbers not my numbers on the credit file as an issue. 

Equifax needs to stick with the complaint filed and the issues and stop making up lies not pertains to the issues of updated credit file of all credit cards paid off. 

My complaint is with Equifax lagging to update balances correct and get into issues not requested. 

I have contacted an attorney to the matter that deals with credit bureaus on matters of illegally overstepping their legal boundaries to the said matter. 


Making false statements to my credit card holder of fraud in which I did not have no fraud nor suspicious charges was told to me by XXXXXXXX XXXX XXXX XXXXXXXX. 

card was cancel due to Equifax making false statements not by me There is clear fraud by Equifax in which has been reported to US attorney and DOJ

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX of XXXX, XXXX has violated my rights. 
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

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is information on my credit report that I need to change. I have tried to contact Experion but the automated system will not allow me to talk to a live person. I have tried different numbers recommended by other websites, but the system still refused to allow contact with a real person.

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 2023-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I signed for for an amortized loan for solar panels for my house. However, they are taking no money off of principle whatsoever. As a matter of fact, I made higher than normal payments, and they have not taken a single penny off of my principal. When I have called to speak to a manager they gave me the runaround and told me nothing was available. So far I made payments and my balance have gone down XXXX even when I made additional payments. My payments are {$210.00}. Ive been making payments at {$300.00} in order to pay off the principal quicker but they have taken no money off even for making the original payment. Please see attached email in which the balance does not change and they write it off as payment for interest. This is not at interest only loan and if it was, the difference/additional still should have been applied to the principal. They are literally just taking my money into their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX XXXXXXXX  four unauthorized wire transfer withdrawals totaling {$18000.00} were completed from my checking account. On the evening of XX/XX/XXXX  when it was discovered that the account balance was negative, I notified Chase of the account breach and a fraud claim was filed ( claim # XXXX and XXXX XXXXXXXX ). All Chase accounts ( checking, savings, credit cards ) were put on restricted status. A police report was filed on XX/XX/ with the city of XXXX Police department. Preceding the wire transfers, a person claiming to be a Chase Fraud specialist contacted me regarding suspicious account activity. This person knew information about recent transactions and claimed that pending high value transactions had been flagged and wanted to confirm whether they were legitimate or fraudulent. I confirmed that these transactions were not authorized and should be blocked. After several similar calls with this person over a few days, he convinced me to install an application on my phone that would prevent further fraudulent transactions. I now believe the application was a remote desktop program. At no time before the unauthorized wire transfers did I believe this app would allow access to my Chase account, nor did I authorize access to the account. I have been a JPMorgan Chase customer for XXXX years. At no time prior to this incident have I had online banking access nor have I ever initiated wire transfers. My average monthly withdrawal amount from this account has always been several XXXX dollars, not XXXX XXXX XXXX Chase 's fraud detection system should have flagged these transactions because they were extreme anomalies in my long banking history. Chase erroneously facilitated the magnitude of this fraud by applying Overdraft Protection services to transfer {$12000.00} of funds from my savings account to the checking account to cover the wire transfers. Per Chase 's website, Overdraft Protection only covers " checks, automatic payments, and recurring payments ''. On XX/XX/ a sworn affidavit for " Unauthorized Signature or Forged Item Declaration '' was provided to Chase. On XX/XX/ a claim denial was received from Chase, stating that I did not take appropriate steps to protect the account from unauthorized use. On XX/XX/ we requested a detailed explanation for the claim denial and were told that no such report could be provided. Chase has not provided any proof that I created or authorized these wires. Chase failed to protect my account using reasonable account history based fraud detection applications. Chase also failed to secure my savings account by wrongly transferring funds to the checking account via Overdraft Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed that my SSN was filed as the incorrect number with Capital One, so I sought to fix it. I immediately contacted Capital One and I was told to submit a W-9 form by a link to a secure document upload from email to request my SSN to be changed, which I promptly completed. I was also told that during this process, Capital One was to lock my account, until they had changed over the SSN. Hearing nothing more after submitting the form, I called back on XX/XX/XXXX to ask about the status of the form, and was informed that the form was completed incorrectly, as I had not completed one important piece of the form. I realized my mistake and was quick to correct the error, and double-checked the rest of the form this time to ensure its accuracy. I resubmitted the W-9 along with a scan of my Social Security card . Nearly two weeks later on XX/XX/XXXX, and I've heard nothing yet again about the whole situation. I call back Capital One yet again only to be told that no such system exists to submit forms over email. I am then transferred to several other representatives until someone who actually knows what they're doing picks up. For some reason, unlike before, now in order to check the status of my form, they need a form of verification. So, I complete the verification a couple of times until it works and get a success screen. The representative instead says that it failed however ( when it didn't ) and that he couldn't be bothered to try it again. So I call back to get another representative and this time, the representative is very kind and understanding of the situation. He suggests that I resubmit my form yet again, since it won't hurt, and the verification process with him works seamlessly. He checks on the form and it appears that it had not been reviewed yet, which he said is unusual and and I agree, such an extended time-frame is rather unacceptable. Bear in mind that since XX/XX/XXXX, I have not had access to any of the funds in my checking account, since it was still locked. So, I resubmit the form as per his request and thank him for his empathy. It is now XX/XX/XXXX and the account is still locked, and I see how far we are getting by contacting Capital One ( nowhere ) and now am I here to submit a complaint. For 23 days now, my checking account has been completely inaccessible and I can not deposit nor withdraw funds from it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Comerica
State: CA

Complaint narrative:
My Name is XXXX XXXX. In XXXX I was laid off from my employment with XXXX XXXX XXXX where I worked for more than 11 years as a XXXX XXXX. After just a few months I ran out of my savings and was forced to fall behind on my Home Equity line of credit with Comerica Bank. After just a few short months I was offered a loan modification. After completing and submitting the modification package to the bank I never heard from anyone again until XXXX day I received a notice of default and a sale of my property. I would like a representative from the bank to contact me to discuss alternative options and to save my home that I have lived in since XXXX. XXXX XXXX XXXX XXXX and can not afford to lose my home and end up on the streets. Please help me to get in touch with the home retention department. I have tried to speak with someone since XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
Commencing on or about XX/XX/2022 and XX/XX/2022, I have been a victim of a multi- layered scam operation run by a professional scammer, which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX ( XXXX USD ) from my Crypto.com account to fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Im writing to get the assistance from CFPB. My financial hardship began XXXX of XXXX. When my wife lost her job and we became XXXX household income.. In addition to make matters worst I had to force retire in XXXX due to health issues related me and my wife getting covid and due to bad respiratory existing problems we felt we git into a really bad health and our income was reduced once again due to XXXX. During this time since we saw past due, we reached out to our mortgage company and applied for assistance numerous times.We have applied for mortgage help since XXXX and each time the mortgage server our mortgage company has denied us due to a negative present value .NPV. I have been denied for the negative present value XXXX times, each time that Ive been in review for mortgage assistance the mortgage company has had forclosure running at the same time while getting help, They have never added a single point of contact over the last XXXX to XXXX years. This mortgage company has never offered me a loan modification assistance, they have mishandled my payments and XXXX XXXX requested for their servicing XXXX servicing guidelines and provide me with my investor information and mortgage service agreement and I have been refused.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has a fraudulent membership tied to my social security number. I've been trying to resolve this issue for over a year. I sent them documentation ( state issued ID, social security card, utility bill, and written request ) to reset the membership to Consumer Info XXXX XXXX XXXX XXXX XXXX XXXXXXXX as requested twice. Most recently on XX/XX/2023 via XXXX certified mail, which is showing as delivered. Subsequent calls to customer service to check in leads to being hung up on. Ticket 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