vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.

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 2024-06-10 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: PA

Complaint narrative:
Despite my repeated efforts to address the fraudulent, incorrect, and misleading information on my credit report, the issue persists. The presence of these items has severely impacted my life, causing significant distress and anxiety. It is important to emphasize that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.

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 2024-06-10 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: PA

Complaint narrative:
Despite my repeated efforts to address the fraudulent, incorrect, and misleading information on my credit report, the issue persists. The presence of these items has severely impacted my life, causing significant distress and anxiety. It is important to emphasize that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the account XXXX XXXX XXXX XXXX from my credit report because you are reporting inconsistent information. XXXX last reported is XX/XX/year>, XXXX last reported is XX/XX/year>, and XXXX last reported is XX/XX/year>. You were notified over XXXX  days ago in a letter that was sent certified mail that you were in violation, and I was pending litigation seeking relief and monetary compensation under FCRA 15 US Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. The dispute letter, which is dated, and time stamped, is attached.

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 2024-06-10 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: TN

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
Consumer complaint received 2024-06-10 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I applied and was approved for the XXXX plan back on XX/XX/XXXX. At the time of approval, I received a letter informing me that my new monthly payment will be {$680.00} for XXXX months starting on XX/XX/XXXX. I was expecting {$680.00} to be the amount of my auto draft but the auto draft amount was only {$420.00}. So to make up for the shortfall I started to apply some extra payments in XXXX to catch up for the shortfall and made a {$550.00} payment on XX/XX/XXXX so that the payment that would come out on XX/XX/XXXX would be enough to cover interest and principle due for all loans. 

To my surprise no payment came out that month and one didnt come out until XXXX for the auto draft and was still only {$420.00}. Since that time I have had to resort to making extra payments and trying to keep track of the interest since NelNet initially put me into a negative amortization that I would never have been able to get out of on auto draft alone. 

I tried calling an agent to figure out what the best case would be and she explained that since my scheduled payment was supposed to be enough to cover interest there is nothing she can help with even though the system was pulling a lesser amount given my due dates were not aligned. So I asked her during that call to go ahead and submit a request to have all my due dates aligned but this never happened. 

Additionally, the whole reason for signing up for XXXX was to get rid of any negative amortization but instead I am having to pay it all myself. This whole process has been misleading with how NelNet has described the benefits I was supposed to receive, the process that was implemented to avoid me having these benefits with an auto draft less than my payment amount, and I could not reasonable avoid this harm that they established. I feel like this directly violates XXXX as being deceptive and unfair. I have been forced to keep making my payments manually because all the due dates are messed up. Now my normal payment amount shows XXXX XXXX which contradicts my payment schedule amount. Plus there is nothing I can do to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed listings for late payments. More than XXXX days ago, I sent letters regarding these items, but I have not received a response, and they have not provided me with adequate validation of these supposed late payments. I am kindly asking for your help in resolving 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 non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint personally. After examining my credit report, I noticed listings for late payments. More than XXXX days ago, I sent letters regarding these items, but I have not received a response, and they have not provided me with adequate validation of these supposed late payments. I am kindly asking for your help in resolving 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I defaulted on this vehicle loan more than XXXX years ago. This loan is still on all of my credit reports. I requested that this company give me proof of what this vehicle sold for at auction. I never received this information and it has been more than XXXX days. I also requested that the company give me proof of when this loan first went into default. I never received this information and It has been longer than XXXX years and I would like for this to be removed from my credit report as per federal fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Experian Information Solutions Inc.
State: TN

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
Consumer complaint received 2024-06-10 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian 's website and phone system do not allow me to unfreeze my account. 

In the fall, I froze my accounts after someone falsely obtained a cell phone. Now, I am trying to get my bank to pre-approve a car loan, but I have to unfreeze my credit report. I went to the Experian website, clicked the unfreeze option, and logged in. Instead of offering to unfreeze my account, it forced me ( no other options at all ) to " Welcome back. Get your XXXX Experian Credit Report now. '' When I clicked the Get Your Free Credit Report button, it asked to send a PIN, which it did not send. When I clicked the " send again '', it would arrive, but when I entered it, the website would say " we weren't able to verify ''. After several days of trying ( I thought at first, maybe they are doing maintenance on the website and it will be fixed later ), I tried to call. 

I tried XXXX different phone numbers encountered in various places on the Experian website. They all went to the same automated system. The system would ask if I wanted to receive a onetime PIN, and if I said yes, it immediately said it was unable to verify ( no PIN was ever sent ). When I asked to speak to a person, it would say " I can only connect you with a representative in limited circumstances '' but never explained the circumstances nor offered to connect me.

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 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX running an XXXX XXXX XXXX and use a Chase XXXX XXXX credit card. On XX/XX/2024, I placed an order with XXXX ( XXXX # XXXX ) for a total amount of {$1800.00}. At the end of XXXX, Chase mistakenly flagged the transaction as fraudulent without consulting me and requested a refund from XXXX. XXXX returned the money on XX/XX/XXXX, and since then, I have been calling Chase to resolve the issue and contact XXXX. Chase claims they sent the money back to XXXX on XX/XX/XXXX, but XXXX has not received it. XXXX also requested proof that the amount was deducted from my account and that the bank sent the payment. On XX/XX/XXXX, I uploaded all the necessary photos as proof. XXXX insists that Chase needs to contact them, but Chase refuses to do so. Since XXXX, I have been trying to resolve this issue, spending XXXX hours each week talking to both XXXX and Chase without any resolution. Chase also charged {$1800.00} to my credit card in XXXX, and it still shows as an outstanding balance with XXXX because they have not received the money. This situation is negatively affecting my business and my credibility with my vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry 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 2024-06-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was the victim of a phone scam on Thursday XX/XX/year> at XXXX XXXX. I was contacted by XXXX XXXX  ( XXXX ) that there was a fraudulent {$1000.00} transaction from my account. They asked me to verify my information. The criminal masked his number to appear he was calling from XXXX XXXX and used the information I provided to hack my bank account and transfer {$6000.00} using a XXXX and XXXX XXXX account he created. I froze my credit that day with Experian, XXXX and XXXX. 
On Saturday XXXX I realized my password and phone number tied to the Experian account have been changed and I can now longer access my Experian account. I have tried to call Experian multiple times today during business hours and their automated system will NOT let me talk to a customer service representative. Conversely, XXXX allows you to talk to a representative for assistance even on a Saturday. As of now, I am still unable to access my Experian account. It appears my credit report is still frozen which is a relief, but Experian can not leave their customers without any support and without a way to resolve these issues with a live representative.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The XXXX main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The XXXX main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I just checked my Experian account today and I saw a collection account that I have no knowledge or idea of. 
Account Name : XXXX XXXX XXXX, Account number : XXXXXXXX XXXX Account Balance : {$1500.00} Date opened : XXXX XXXX, XXXX  Past Due : past due as of XX/XX/year>. 

I have no knowledge of this account until today I saw it as a collection account with you guys. I believe before you assign an account as a collection account you must have verified, the debt validation letter, the original application with my signature, the payment history of the account to show proof as to how you came about with the account balance but am yet to ever have a communication with this company talk less of having the above mentioned documents. so I am requesting the following to be sent by mail within 2 weeks. 
- A debt validation letter and proof this company is able to collect this debt - Send the original loan application with my signature - Payment history to see how you arrived at the debt amount of {$1500.00} If your unable to provide me with this documents then you must delete this account from my report. I believe this information was not even suppose to be on my report without the above requested documents and communication established with me by the collection company claiming this debt is mine in the first place. 
If am not able to receive this documents then I reserve the right to sue for wrongly reporting my credit account as an effort to hinder me/ prevent me from getting certain benefits like loans or getting better interest rates as a result of knowingly and willfully reporting false information 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 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Mortgage company : Roundpoint Mortgage Servicing Llc XXXX XXXX XXXX XXXX, NC XXXX Phone : XXXX Do mortgage servicers have to issue escrow refunds within 20 days of closing date? The answer is yes. 
What if mortgage servicers don't issue escrow refunds within 20 days? Nothing, this is one of those useless federal laws that are not enforced, apparently. 

I sold home with a closing date of XX/XX/24. I haven't received insurance escrow refund yet. Apparently they sent the refund check to the old address. I had signed up with the post office to forward mail to my new address. Since no check was forwarded, on XX/XX/XXXX I called Roundpoint to update address. I called Roundpoint again on XX/XX/XXXX to find out where the check is they said they would reissue the check and confirmed the address. Called on XX/XX/XXXX since no check has been received. They said the re-issued the check on XX/XX/XXXX. It took them from the XX/XX/XXXX call to XX/XX/XXXX to re-issue the check. As you can see from this timeline, Roundpoint Mortgage Servicing Llc is in violation of XXXX.

Company response to consumer: Closed with explanation