vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to loandepot.com several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.

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 2023-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX  via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
XXXX is currently reporting 2 mortgage accounts on my credit file. Both are showing 1 late payment but each account is reporting a different date. I have already provided written proof to XXXX via mail and fax several times last year trying to correct/remedy the situation. 

Current mortgage account : XXXX XXXX- this account was not opened until XX/XX/XXXX so it should not be reporting any late payments in XX/XX/XXXX or anything prior to XX/XX/XXXX. 

Previous mortgage account : XXXX XXXX- this account transferred XX/XX/XXXX to XXXX XXXX- this account did not have any late payments and based on the incorrect reporting on both accounts it further validates my claims that XXXX is erroneously reporting inaccurate information on my credit file. 

I have attached my bank statements that further support my claim ( the payments are highlighted in yellow ) : XX/XX/XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX XXXX XXXX - payment made XX/XX/XXXX XX/XX/XXXX - payment made XX/XX/XXXX I have written to XXXX  several times with no response showing the conclusion of their investigation as well as no additional info about my supporting docs.

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 2023-01-11 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: CBC Companies, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NY

Complaint narrative:
On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.

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 2023-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The accounts or debt isn't mine it belongs to my children and they put it on my credit, another report is paid off but it was removed from XXXX credit reporting company but not the other, another car debt the balance 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 explanation
Consumer complaint received 2023-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: WV

Complaint narrative:
Upon researching my credit report I uncovered a charge off account reporting delinquent monthly payments. This is reporting as Elan Financial Services, a subsidiary of US Bank. With zero of this account, I attempted contact via phone in XXXX & XXXX of 2022, yet was never able to make any progress. Using the phone number on the tradeline, I called, albeit I would always get a US Bank employee on the phone. Every time they would act like they haven't even heard of XXXX XXXX. After multiple failed attempts at reaching someone on the phone, I sent a series of certified letters in XXXX and XXXX of 2022 to XXXX requesting validation and/or information related to this account. I also detailed that if the account is indeed mine, that I would be willing to pay to resolve the matter to stop it from negatively impacting my credit profile any further. I never received a response from these letters. In early XXXX I finally received a call and spoke to a nice woman named XXXX at XXXX. I asked if she could send me verification of this account such as the credit card agreement that I would have signed, and she agreed to do so. Unfortunately, I never not received this. I called back in yesterday to the same number I spoke with XXXX on and the representative I spoke with acted as if she had more pressing matters to deal with rather than take my money to settle this. She insisted on trying to hurry me off the phone. At the end of each sentence she tried to end the conversation. I was ready with card in hand to pay something, and she didn't seem to even want to take the time.. At this point I explained I was still waiting to receive a copy of the credit card agreement so I can verify this is actually an account of mine, to which she responded that she would submit to have it sent to me again. I asked what if I do not receive anything, then what, and her response was " I do not know sir ''? I want this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
At lease origination, my contractually-documented residual value was determined to be {$19000.00} for my 2020 XXXX XXXX XXXX 

At the end of my lease, my account was debited for an extra lease payment because Chase XXXX does not stop charging automatically at the end of the lease term and it is the responsibility of the customer to manually stop payment set up in their system. When I called to report the overpayment, I was told by Chase customer support that this amount would be used to reduce the payoff amount on my vehicle. 

I was charged {$420.00}, which should have reduced my payoff to {$18000.00}. 

I was told to pay {$18000.00} to purchase my vehicle after this extra payment. This is a difference of {$90.00} that was taken by Chase with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Due to insufficient due diligence, Affirm helped to finance a Ponzi Scheme by XXXX XXXX, and has direct liability in this issue since it was helping to finance XXXX XXXX 's transactions even when it was clear that they were insolvent and unable to fulfill any new orders. We purchased a sofa from XXXX XXXX  and used Affirm to finance the transaction because XXXX XXXX and Affirm had a co-marketing agreement. This means that XXXX XXXX marketed Affirm 's financing, and Affirm had a direct contractual relationship with XXXX XXXX  which granted Affirm exclusivity in terms of being marketed on the site. However, we never received our sofa, and XXXX XXXX  is claiming they have no legal obligation to fulfill orders placed before XX/XX/XXXX. Affirm has lied to the media by stating that consumers do not have an obligation to pay loans during the dispute, while writing to us on XX/XX/XXXX that we still have the obligation to pay them. For example in a XXXX XXXX XXXX article Affirm said there is no obligation to pay until the issue is sorted out : XXXX XXXX XXXX XXXX XXXX  has admitted that it was obtaining payments and delaying orders because they had no cash to fulfill them, yet even through XXXX, Affirm was still fronting loans to XXXX XXXX. At this point Affirm is trying to pretend that it has no responsibility, arguing there is nothing they can do since 60 days have elapsed, and refusing to refund us. Meanwhile credit card companies like XXXX XXXX are helping consumers with this XXXX XXXX  issue. This is yet another reason why the CFPB needs to have better oversight over the XXXX providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: NC

Complaint narrative:
I have called EQUIFAX at least 4 times over the last 3 months in writing and over the phone to remove a fraudulent account reporting from XXXX XXXX. As of XX/XX/2022, they have stated the account with {$8600.00} in charges has been " Verified '' but have failed to provide me with the original contract that I allegedly signed to create the debt, no sworn affidavits of verification, or similar oaths made in the presence of a notary public/authorized person. 
I am reaching out to EQUIFAX to either provide me with sworn verification or correct their records as it is hurting my person. With a fraudulent account reporting on my report, my credit score is impacted and for the first time in my adult life, I am unable to obtain credit to pay my rent, gas, and other bills. I had {$6.00} in XXXX of my checking accounts the other day. It was humbling, and all I want to do is get back on my feet. EQUIFAX 's negligence is hurting individuals like myself, when no XXXX individual can stand for the company and state the claims they send to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
My bank account was hacked, resulting in XXXX charges made to XXXX for services I did not receive. I called XXXX when the first charge had posted to my bank account but was told that I would need to dispute the fraudulent charge with the bank. This resulted in XXXX additional charges hitting my account. My bank opened a fraud case and is investigating. The payments were stopped, and the account was closed. XXXX sold this account to a collection 's agency though ( TRS Recovery Services ). I contacted XXXX to advise of the fraud case and completed their required information to dispute the charges. I received a letter back from them dated XX/XX/2023 advising that they were denying my dispute and required a claim be opened via XXXX. 

I am a minor child who NEVER received ( and have never used ) XXXX however these XXXX charges are now in collections and the agency is not assisting me with resolving 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
Consumer complaint received 2023-01-11 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  # # # # # # XXXX This is not my account. I never had and account with XXXX, This is false information and I would like it removed from my account. I have been trying to get this account removed for XXXX minths now

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 2023-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX I initiated a transfer of {$10000.00}. from my XXXX Account to Syncrhony Savings. According to transaction number XXXX this transaction was completed on XX/XX/XXXX. 

I saw on XX/XX/XXXX & XXXX on my Synchrony Mobile App that the amount was pending. By XX/XX/XXXX, the amount was no longer pending to my account and NOT credited. 

I have been back and forth between XXXX and Synchrony as to where my money is. XXXX says they can not issue a reversal or stop payment because the transaction is complete and Synchrony says they have not received the payment ( even tho from my mobile app I saw it pending on XX/XX/XXXX & XXXX ). 

I have submitted a claim with you for XXXX but in case the issue is with Synchrony, I am also submitting XXXX with you for that.

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 2023-01-11 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: MOHELA
State: AR

Complaint narrative:
My federal student loans were with XXXX XXXX which transferred my loans over to MOHELA around XX/XX/XXXX. During the pandemic I made {$100.00} a month since XX/XX/XXXX, about {$1900.00} total, in voluntary payments to XXXX and MOHELA from when I first requested it from Mohela on XXXX of XX/XX/XXXX. MOHELA has only refunded {$370.00} of that amount and stated because I made the remaining amount with XXXX that it would take XXXX days to process. I still have not received any information or ETA of when I would receive a refund check for the remaining amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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: TX

Complaint narrative:
I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are 9 address there are not linked to me in my report XXXXXXXX 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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022, I was called by Chase Bank customer service. They stated my account had fraud and an unauthorized person was able to login to my account in another location. They stated I had to deactivate my account and create a new username and password. As we proceeded further the fake chase bank who identified as chase bank with their phone number and caller ID wired themselves money from my account. I did not authorize any of this. Nor did o ever receive anything from real chase bank to validate this wire transfer or label it as fraud. Chase bank did nothing to prevent ALL of my money from being wired to an account I never sent money to before. They 100 % impersonated chase bank employees using names, locations, numbers and ID numbers. I filed a claim to chase bank and they stated it was my fault. However, XXXX did nothing to prevent this wire. On top of this I reacted and was in chase bank on the phone with the scammer as it was happening. They did not react with urgency and did not care to do anything. They stated its my fault which is a lazy excuse to avoid helping a loyal customer. I am begging for help in receiving my money back as chase bank is the true issue here and not me. {$7600.00} was wire transferred to a XXXX XXXX XXXX bank on XX/XX/2022 XXXX est. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
the amount is for about XXXX.. It is on an account I do not have.. I also have a letter for the company stating it has been resolved, but the keep calling.. Sometimes 7 times a day different numbers from different stated and when I ask for there supervisor they disconnect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
incident # XXXX XXXX  took my payments didnt post to my account, then transfered me to a XXXX  who proceded to argue with me and never post teo payments that i callled in to make which i can prove i had the funds in my account. Then the next day or so i got a notification from experian that my payment was 90 days late which was not correct due to reps mishandling and unethically trickery on my acct. 

That was the second time since XXXX that they did that to my account and was notified that my payments off XXXX wasnt posted thay have tried repo my car after the XXXX  didnt post my payment

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 2023-01-11 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:
The accounts or debt isn't mine it belongs to my children and they put it on my credit, another report is paid off but it was removed from one credit reporting company but not the other, another car debt the balance is wrong

Company response to consumer: Closed with explanation