vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-08 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: NY

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I made a purchase at XXXX XXXX of three hotspots for work purposes, made for my company and not for personal use. The bill that was sent to my office was received the day before payment was due ( after a total of 40 days ). My organization paid the bill in entirety upon receiving the statement ( which I have documented proof the day after it was due. XXXX subsequently noted in my personal credit this which lowered my credit score over XXXX points and refused to discuss the matter with me and simply transferred me without explanation or resolution. I appealed this through Experian and have not had a change within my personal credit score. My score was previously impeccable with a rating between XXXX and is now in the high XXXX 's. I have documentation of the billing, payment in full via receipts, and a letter for my organization explaining the entirety of the 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal denied me right to my credit after a hard inquiry was place on my credit profile which proves there was a draw on my account. This constitutes as discrimination and unauthorized use of my social security credit card. Furthermore Navy Federal has the ability to use my application as collateral and reap income according to Federal Reserve 16. This application was given as accommodation for I was denied therefore not receiving any accommodation so NAVY FEDERAL is in violation of UCC 3-419 & UCC 3-303 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : 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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
on XX/XX/26 I was called by Chase alerting me to fraudulent activity on my account. They said due to the nature of the fraud that I did not need to close my debit card. On that same day, 17 different ATM withdrawals were made totaling {$1400.00}. I immediately called that same day to have my card closed. The ATM withdrawals show as being done at an ATM by my house. XXXX XXXX XXXX, XXXX, XXXX Chase started a claim but has denied my claim stating that they can not prove that it was fraud because " nothing has changed on my account and the withdrawals happened in my geographic area ''. Chase has stated that the fraudulent withdrawals were done by XXXX XXXX contactless withdrawals. I have asked for video surveillance to prove that I did not make these withdrawals. Chase then told me I needed to file a police report. I have filed a police report. Case # XXXX. Chase has told the police that they can not release the video surveillance without a search warrant or subpoena and the police said they can not obtain those without the video surveillance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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: VA

Complaint narrative:
To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in XXXX but is still showing up in Transunion and XXXX. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.

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 2023-11-08 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: DE

Complaint narrative:
On XXXX XXXX, I paid my mortgage, as is customary. 
On XX/XX/2023, I was alerted via email that Experian dropped my credit score XXXX points, due my not paying my mortgage. 
Baffled, I spent numerous hours and days with various banks, the mortgage company and preparing an Experian dispute. This, as the mortgage was paid ( using the same method I've used for years ) ; however, I did not receive credit. 

After approximately a month of research, I learned that the mortgage company erroneously attempted to pull my mortgage from a stale account. 

Today, relative to the mortgage company XXXX XXXX XXXX XXXX error, Experian writes : " Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. '' Experian next 'returns ' XXXX points. 
I am bewildered, as due to the mortgage company 's error, I was hit with a XXXX point decrease. Thus, after it's proven that I did, indeed pay the mortgage and it was the mortgage company 's error, why am I only 'awarded " XXXX points? 
Some years ago, I experienced similar and the credit bureau may provide a mirrored reasoning. However, I also decreased another credit card by 87 %, but only received XXXX ( XXXX ) points with the following alert : " Your XXXX account 's Credit Usage significantly decreased to 0.87 %. 
Credit Usage is the percentage of available credit that you use. Low Credit Usage may have a positive impact on your Credit Score. '' Consumers are struggling to keep up with the exorbitant interest rate hikes. Shouldn't we at least receive an 'exact reversal ' of the credit decrease, when it's due to a lender 's error? Is crediting a consumer less than XXXX what was taken away, due to a lender 's error fair? 
Thank you.

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 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LoanCare, LLC
State: CA

Complaint narrative:
This complaint is about XXXX XXXX XXXX XXXX XXXX and Loancare. LLC ( the subservicer ). On XX/XX/2023, I received a call from a fake XXXX XXXX XXXXXXXX number asking me if I authorized someone not related to me to cash in a check. I said no and they informed me that they would be voiding the check as it was fraud. I asked who was trying to do this and they said they could not provide me with any information about that, but that it was being cashed in California. I immediately called XXXX XXXX XXXX XXXX XXXX to notify them that someone tried cashing in the check they sent me. They informed me that they could send me another check, but that they could not do that until 30 days from the date the check was issued, which was XX/XX/XXXX. I called back on XX/XX/XXXX and they confirmed that they were mailing me another check. On XX/XX/XXXX, after not receiving the second check, I called again. They told me that they did not send out a second check because the original check was cashed on XX/XX/XXXX. I was shocked and told them that this should not have happened, as I alerted them on XX/XX/XXXX about the fraud. I asked for a picture of the endorsed check and they sent me a picture with the endorsed part cut off. When I asked for another picture, they put me on a long hold and proceeded to send me a picture with someone else 's name on the endorsement section. I have contacted XXXX XXXX XXXX XXXX XXXX many times asking for the money they owe me for my escrow refund, but each time they give me conflicting stories. They even had a stranger 's phone number attached to my account : XXXX. They tell me they need to finish their investigation and then they will see if they can give me the money I am owed. XXXXLoancare owes me my escrow refund of {$4900.00} and it is clear to me that they never sent me a check and are giving me the run around. I am requesting that I receive the money I have been owed since XXXX immediately.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
A while ago i lost my social security card, i got a copy a while after, now i am being credited on my credit report for a {$4700.00} XXXX loan when i have not applied for a student loan nor do i even attend school, i tried going on the XXXX website and tried to log in then it is saying that they need 2 Factor Authentication when i have no info for the XXXX website nor do i have a XXXX account nor do i have an XXXX XXXX  loan. i have tried contacting the company XXXX but they do not have a customer service email, they also do not have any operator on the phone line to speak with and i have called 3 days already and nothing, i was also on the phone with XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AK

Complaint narrative:
Going back to XXXX. I've tried to make payments on my student loan, but they have never taken the money out of my account. Meanwhile, my interest rate keeps going up, my loan amount is getting bigger, and they keep reporting to my credit report. I've tried making a payment as recently as XXXX of XXXX. In fact I tried twice in XXXX but yet they never actually take the payments and apply them to my account. I just want to get this stupid loan off my credit report so I can move on and be able to apply for better loans with better interest rates, but they are standing in my way! 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
MR COOPER MORTGAGE has constant telephone problems. I faxed them a letter with all my information showing that they have miscalculated my escrow. I attached my insurance bill and real estate property tax bill. 

No one has responded and there is no way to contact them due to constant phone problem.

I need someone to look at my ACTUAL real estate tax bill and insurance and do recalculation of my escrow Send me new and corrected mortgage statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
2 late payments for XXXX of 2023 was put on my credit report inaccurately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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 writing to dispute the presence of fraudulent information on my credit report, specifically in relation to the following accounts : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX I have thoroughly reviewed my credit report and can confirm that these accounts are reporting information that is not associated with me. I have never had any dealings or financial obligations with these entities, and I believe this information has been inaccurately attributed to me. 

I hereby request an immediate investigation into the fraudulent information associated with these accounts. I insist that you take the necessary steps to verify the accuracy of the information and promptly remove the fraudulent entries from my credit file. It is of utmost importance to me that my credit report accurately reflects my financial history and responsibilities. 

Upon resolution of this dispute and the removal of the fraudulent information, I kindly request that you provide me with a corrected copy of my credit report. This corrected report should accurately represent my financial standing and be free from any inaccuracies caused by the presence of these fraudulent accounts. 

I understand the significance of maintaining an accurate credit history and ensuring the security of my personal financial information. I am prepared to assist in any way necessary to expedite the resolution of this matter. Please inform me of the steps and any supporting documentation required to proceed with the investigation and dispute process. 

I anticipate your prompt attention to this matter and a timely resolution of the fraudulent entries on my credit report. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your cooperation and commitment to maintaining the integrity of my credit history. I look forward to receiving a corrected credit report once the fraudulent information has been removed

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 2023-11-08 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: NC

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and remove fraudulent accounts from my credit report despite multiple attempts and providing sufficient documentation to support my claims, including a police report for identity theft. 
Details : * Initial Dispute : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Disputed Accounts : XXXX XXXX, XXXX XXXX XXXX, and ACHIEVE PERSONAL LOANS ( detailed as fraudulent ). 
* Experian 's First Response : * Dated : XX/XX/2023 * Content : Generic response questioning the authenticity of my dispute and providing no substantive action on the reported fraud. 
* My Follow-Up : * Sent : XX/XX/2023 * Received by Experian : XX/XX/2023 * Content : Expressing frustration with the lack of action and demanding an investigation as per the FCRA regulations. 
* Second Experian Response : * Dated : XX/XX/2023 * Content : Identical to the first response, neglecting to acknowledge my specific dispute or the evidence provided, and not taking the required action to investigate or remove the fraudulent items. 
In both cases I provided my Drivers Licenses, Utility Bill, Police Report, Identity theft report Violations : * Failure to Act : Experian has not taken action within the FCRAs stipulated 30-day investigation period.

* Non-Compliance with FCRA 605B : Experian failed to block the fraudulent information within four business days following the acceptance of my identity theft report and supporting documents. 
* Generic Responses : Experian has only provided generic responses, ignoring my direct communications and documented evidence of identity theft. 
Impact : This inaction by Experian has left fraudulent information on my credit report, affecting my financial standing and causing significant distress and potential financial harm.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in XXXX but is still showing up in XXXX and Equifax. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: VA

Complaint narrative:
To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in Experian but is still showing up in XXXX and XXXX. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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