vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX  Balance : {$690.00}.

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 2024-01-05 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Someone purchased approx XXXX dollars worth of stuff online to multiple XXXX companies. I disputed the charges with Wells Fargo when I noticed I was missing a deposit of XXXX dollars that was supposed be deposited into my account XX/XX/2023, which it was but someone used my card multiple times and took XXXX from my account. I filed a police report as they requested but I'm still waiting on the police department to finalize/process it so I can send it to Wells Fargo XXXX Wells Fargo information informed me in a message saying they believe the charges are correct and will not give me my funds back, which makes no sense considering not once have I ever purchased or tried to purchase anything from a international company nor any kind of lottery they are saying the money went to. This can be verified by looking at my account and also XXXX XXXX  i was staying at informed me XXXX  XXXX  XXXX at XXXX in XXXX had been terminated for theft of credit card numbers when I made a comment about someone stealing my money. I included all this in the police report with my laptop, cell phone XXXX  addresses so Wells Fargo could verify the purchases were not made with any of my devices. Wells Fargo Claim : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NV

Complaint narrative:
I filed an ID Theft report with the FTC and submitted a complaint to the CFPB on Experian, XXXX, and XXXX to investigate my accounts and remove the inaccurate information. 
Experian, XXXX, and XXXX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time.

According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. 

The consumer reporting agencies Experian, XXXX, and XXXX did not remove all fraudulent and inaccurate accounts that have been furnished on my consumer file and I have never gave my consent to furnished these accounts. No consent is Identity Theft and I have attached evidence that these consumer reporting agencies are in violation.

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 2024-01-05 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am sending a XXXX & XXXX for JPMCB stop giving my non public personal information being disclosed without my consent. I never instructed them to give out my XXXX to non affiliated third parties. Their agreement does not have an opt out clause. Theres no signature from me ( for written consent for them to report to the CRAs ). Per 15 USC 6802 & the Gramm Leech Billey Act of 1989, a furnisher has to clearly and conspicuously offer a non disclosure clause for consumer reporting, this was never done. Also they are reporting on my credit report inaccurately. I have attached a copy of the inaccurate reporting to this complaint. This has caused me a lot of damage on top of stress. I have been denied credit due to this account and I want it removed immediately. According to the FCRA my credit report should be reporting accurately and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm submitting this complaint personally to resolve unauthorized credit inquiries on my record that don't pertain to me. It's crucial to remove this fraudulent information right away.

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 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I got a letter in the mail stating that I owe {$140.00}. I called the phone number but all they have is an automated system. I asked to speak to an agent to find out why I have an overdue amount, since I've been set up on autopay for years. The robot transferred me to an " agent '', but there was no sound. After 4 minutes it gave me a survey asking how satisfied I was. I called back in and got the same response. The robot tried to get me to pay on the phone but said I owe ~ {$250.00}. Which is it? This bot could not explain why, since it is only set up to take payments. 

I tried to get into my account online but don't remember which password I used. So I filled out the " forgot my password '' form and didn't receive any supposed email with a temporary password until 24 hours later, the same amount of time that the temp password is set to expire. I tried logging in to change my password with the temporary password but it just said " an error occurred ''. This happened on multiple attempts. 

What the XXXX. I'm also confused by the labeling of these documents. The letter I received is from " Aidvantage '', but when I call the phone number it says XXXX. On the emails I receive there is a description at the bottom saying it's from Maximus dba Aidvantage. What a shell game. WHY IS MY LOAN BEING BOUNCED AROUND? I'VE BEEN PAYING FOR YEARS, WHY CAN'T YOU AFFORD TO SERVICE THEM TO A SATISFACTORY LEVEL??? WE ARE PEOPLE!!!! 

The quality of customer service is so bad. So so so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im begging you please remove this to the 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 2024-01-05 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is currently reporting an incorrect address on my credit report and not only are they in violation of 15 U.S.C. 1681c-2 ( a ) as I reported fraud on this address and in that they are required to remove it within 4 days of the the identify theft report which was received by them on XX/XX/XXXX, but this address is a non mailable address that represents a debt that is not valid. And in accordance with 15 usc 1681 n-1 must be removed immediately.

Across the board all 3 credit reports have to report the same info it has already been investigated by XXXX and XXXX already removed the accounts and list the proper information Equifax is the only agency not reporting properly which is in violation of 15 U.S.C. 1681e ( b ) .please see the personal information portion of my credit report attached to verify I ask that Equifax remove the address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX immeditatley. They are to replace it with my proper address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received a notice from XXXX that an account was opened with Comenity Capital Bank/ Zales on XX/XX/XXXX  and charges made on XX/XX/XXXX  in the amount of XXXX. I never applied or have an account with this bank. I tried contacting the bank but was not able to speak with anyone to report the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
The following accounts were included in the XXXX. Being included in XXXX  means the accounts have been satisfied and paid and satisfied. Since they have been satisfied, they are NOT to be listed NEGATIVELY within 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 explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
ON XXXX OF 2023 I SEPERATED FROM THE WIFE AND ALL RESPONSIBILITES FOR THE MORTGAGE PAYMENTS WERE MY LEGAL OBLIGATIONS. ALSO LOST 75 % OF MY INCOME. JOINT INCOME WAS ABOUT XXXX AFTER SEPERATION XXXX AFTER EMPLOYEE PAY. SO, I WAS NEVER ABLE TO CATCH UP ON PAYMENTS. SO, IM SEEKING HELP TO GET BACK ON MY FEET. IM ON XXXX XXXX HAS GONE UP AND IN ABOUT 2 MONTHS SHOULD BE BRINGING IN XXXX AFTER EMPLOYEE PAY. BUT FIRST I NEED TO RESOLVE ISSUE WITH LENDER OF THE PROPERTY.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm submitting this complaint personally to resolve INCORRECT personal information and UNAUTHORIZED inquiries on my record that don't pertain to me. It's crucial to remove this fraudulent information right away.

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 2024-01-05 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: OR

Complaint narrative:
MOHELA is my student loan servicer. I was placed on admin forbearance from XXXX due to billing statements being untimely. Despite the forbearance ending at the end of XXXX and a payment being due on XX/XX/XXXX, I was never sent a billing statement. On XX/XX/XXXX, I pointed this out in an online message to MOHELA. I then received a reply back with a billing statement that was back dated to XX/XX/XXXX. 

This is after they retroactively placed me on admin forbearance from XXXX - XXXX without sending me any notification and I was only notified when I was wondering why a XXXX payment was not due. 

It appears the issues that were supposed to be fixed during that period havent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I paid my entire balance of {$1000.00} from by bank and had a {$0.00} balance. 10 days later they took {$1000.00} again. I contacted them on XX/XX/XXXX. I wanted the money direct deposited and he said he could only mail a check and said he did. XX/XX/XXXX I call in upset because Ive had no check. They essentially blamed me and said there was nothing they can do to solve what happened. The manager got on the phone and agreed. He finally said try to cancel the payment from my bank. I still had no funds for 14 days due to their error. I would like a {$50.00} credit on my statement for the loss interest I would have made and their failure to comply with my request to get my money back with a negative balance. Total failure by Barclays XXXX XXXX card.

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 monetary relief
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The following accounts were included in the bankruptcy. Being included in Bankruptcy means the accounts have been satisfied and paid and satisfied. Since they have been satisfied, they are NOT to be listed NEGATIVELY within 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 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. 
XXXX XXXX -PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. 
Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: IL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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

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 2024-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXX - XXXX XXXX  regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of 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 2024-01-08 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: EQUITY LOANS LLC
State: GA

Complaint narrative:
opt out letter sent to company, rescinding/revoking their ability to report on my consumer report on XX/XX/ receved by company on XX/XX/, 27 days later they have not complied they were given 10days whiach would have been XX/XX/ certified mail # XXXX

Company response to consumer: Closed with explanation