vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on TransUnion, XXXX, and 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 2022-12-27 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: FL

Complaint narrative:
I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on XXXX, XXXX, and Experian.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime is not trying to give my refund back from XXXX they telling me I need The send them some paperwork from XXXX I even had the merchant on phone I have screen shot and been calling to no help very disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: AL

Complaint narrative:
I have two unrecognizable inquiries from XXXX  XXXX XXXX business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.

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 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After receiving a check in the mail in XX/XX/XXXX from Wells Fargo, in what appeared to be the amount of our mortgage, I contacted Wells Fargo customer service for an explanation. I was informed that this loan was transferred to XXXX XXXX XXXX and a welcome letter was mailed to the address listed on the mortgage in XX/XX/XXXX. The check was for the XXXX payment. I informed customer service that no one had been at this address since XXXX when we moved my father to an Assisted Living Facility. I inquired why this, or any other communication from Wells Fargo had not been provided to me, as in XXXX they had been provided both a POA and Quit Claim Deed transferring this property to myself and my brother. The customer service representative was unable to provide and answer, however agreed to email me the welcome letter on XX/XX/XXXX. Upon receipt of the email, I contacted XXXX to set up automatic mortgage payments and was informed that they were unable to speak with me as my name was not on the mortgage, nor did they possess the POA or Quit Claim Deed which clearly should have been provided when the loan was transferred. After providing these documents to XXXX and requesting removal of a Cease-and-Desist order placed on the account ( which I am at a complete loss as to why one was placed on the account to begin with ), did XXXX agree to speak to me, at which time I was informed the loan had been placed in foreclosure and they further provided me a Reinstatement Quote which included past due fees, etc. 

We are at a complete loss as to why this mortgage was placed in foreclosure as it had been paid as agreed every month. If there had been revisions to the note, a transfer, etc. Wells Fargo should have communicated this to me, not randomly sending correspondence to an address which was vacant. We should not have been responsible for this loan going into foreclosure, nor should we have been subject to any fees or costs incurred. We should not have been penalized for Wells Fargos negligence in providing notice to all parties of record. 

As a result of this negligence, and our futile attempts for months to resolve this matter with XXXX, we were forced to pay over {$10000.00} in reinstatement fees.

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 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Willing to do a pay to delete negotiation, debt was sold to a debt collector within 30 days for {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX contacted the creditors and experian multiple time stating that these addresses and employment are wrong below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2022-12-27 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: VA

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
When viewing my credit report I saw information on my consumer report that I have no knowledge of so I filed a police report for the following unauthorized accounts : 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 

I filed a police report because my information was compromised after seeing my credit report I reached out to both parties and would like said alleged accounts and I would also like for all fcra guidelines to be followed sections 15 U.S. CODE 1681 B SECTIONS 609, SECTIONS 611, SECTIONS 604, AND SECTIONS 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
This company is providing false consumer information about me to its subscribers. 

I have been trying to get them to remove this false information for years yet they refuse to and keep coming up with bogus excuses on why they can not remove it. 

I have provided them all of the documents they claim they need to " verify '' my identity but somehow its never enough. 

My family members, including my ex wife who I have not spoken to in 4 years, are being harassed because of the false information LexisNexis is providing. 

The email address XXXX needs to be removed from my profile today and any subscriber who received this info needs to be contacted and made aware this is not a valid email address for me. 

It was used by and ID thief years to attempt to open loans in my and my ex wife name. 

I have attached screen shots of the complaint I filed directly with them over a year ago which show I sent them copies of my passport, drivers license, birth certificate, and even my covid vaccine card. 

They have more than enough information from me to remove this false information. 

my complaint number with them is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: AR

Complaint narrative:
I would like to state that Transunion is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Transunion written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Transunion these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Transunion wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately. 
" see attachment ''

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 2022-12-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have been a member with XXXX since XX/XX/XXXX they recently switched to Barclays during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the Barclays credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that Barclays reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent Barclays a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.

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 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tally Technologies
State: MD

Complaint narrative:
A month ago I got my first house. and during the credit review process, it appears that I owe a line of credit debt to a company called Tally technology. which I do not know has requested a line of credit with them! I have tried to communicate with them but it has not been possible! I have not received charges by any means either. In XXXX XXXX all my debts appear to me. So I think this company is doing things without the consumer 's 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 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Coinbase account to these fraudulent investment companies. 
Coinbases Position : Coinbase wrote in a letter Coinbase has no relationship with the third-party whom you state owns the blockchain address to which your XXXX was sent when you authorized your sends. Given the nature of XXXX  and XXXX  transactions, Coinbase makes it clear to its customers that they must take full responsibility for all XXXX  transactions that they instruct and authorize Coinbase to make on their behalf. 
I also contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but they also didn't help me Please help me I lost my life savings and need your help to get my money back I was affected financially and emotionally due to this dilemma and currently in a bad situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: NC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted FirstMark services to report that I was unable to afford my monthly payment of {$320.00} ( which is more than XXXX of my biweekly paycheck ). They told me they were unable to lower my payment but I could apply for my LAST two months of forbearance. With XXXX, my only daughter 's XXXX birthday coming up on XX/XX/XXXX and the XXXX season shortly behind, I decided to utilize my last two months of forbearance, despite the fact that I'll be paying on this for another TEN ( 10 ) YEARS! On XX/XX/XXXX, I was notified that my forbearance was approved from XX/XX/XXXX to XX/XX/XXXX despite having made a payment on XX/XX/XXXX. The forbearance should have been approved from XXXX to XXXX. I contacted them and they told me I was wrong. 
On XX/XX/XXXX, I received a letter than my loan was entering repayment and my next payment would be due XX/XX/XXXX ( again, wrong ). On XX/XX/XXXX, I started receiving collections calls from XXXX XXXX XXXX telling me that I was 30 days past due and owed them {$640.00}. I was upset because it was 3 days before XXXX and the website was telling me I owed them more than {$950.00}. In tears, I spoke to a supervisor who told me this was a mistake on their part, that the forbearance was ended too soon and that they'd make the adjustments and send me a special letter detailing the circumstances of the error. I was reassured that mine and my cosigner 's credit reporting and would not be impacted. 
on XX/XX/XXXX, I received another collections call, spoke with another supervisor who said my request to fix their error was rejected and I'd essentially have to reapply for the forbearance I requested in XXXX. 
I'm actively drowning in this debt. Between this and my other private and federal student loans, I can not afford a home, I can not raise my credit score because my debt to income ratio is screwed. I need help. First mark Services is not able to service these loans sufficiently or in a way that doesn't prey upon hard working XXXX XXXX who followed the rules, went to college, went to XXXX XXXX, and have nothing to show for it except XXXX student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: NY

Complaint narrative:
Good morning, I submitted a dispute with XXXX since XX/XX/2022 and they are still investigating the dispute as of today XX/XX/2022. 
I tried to access my credit report on their website but it tell my that I am unable to due to a dispute being proceed. 
I reached out to them by phone over a week ago to ask whats going on and I was told my issue has to be escalated to the proper department and they would call me back in three days but I still have not heard anything back from them. 
I tried contacting them again today XX/XX/2022 but was transferred several time back into to call que to wait for another customer service rep.

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 2022-12-27 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: LA

Complaint narrative:
I have disputed the following accounts and this company refuses to fix errors. I filed XXXX  XXXX bankruptsy in XX/XX/XXXX and was XXXX in XX/XX/XXXX. The following accounts have numerous errors that this company refuses to fix per bankruptsy law. Credit first should not have any derogatory marks, payment summary, or high balance, or credit limit listed, should say paid in bankruptsy discharge, XXXX XXXX is the same and they should state bankruptsy paid in discharge. XXXX also should not have any derogatory marks, no payment summary, and say paid in discharge with no high balance or credit limit, XXXX  XXXX XXXX should have no payment summary, high balance, credit limit, payment summary, and should be listed as paid and XXXX in bankruptsy, XXXX  should not have any high balance, credit limit, payment summary, and should be listed as paid and XXXX in XXXX  XXXX. I have contacted this company about this and they wont even investigate or fix the mistakes. If this company cant fix this issue I will be forced to contact my lawyer about this.

Company response to consumer: Closed with explanation