vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-27 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report, which is impacting my apartment search, loan applications, and payment installments : XXXX XXXX ( Account : XXXX XXXXXXXX XXXX ) According to the Fair Debt Reporting Act ( FDRC ), I am entitled to an accurate credit report. However, there are discrepancies with this account that render it unverifiable and necessitate its deletion. 

DISCREPANCIES 1. Name on file is XXXX XXXX. My name is XXXX XXXX XXXX XXXX 2. Late payment on file ; I have a letter stating there's no delinquencies on the report Thank you for your prompt attention to 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 explanation
Consumer complaint received 2024-08-27 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from 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 2024-08-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal loans XXXX from XXXX XXXX with a total balance of {$350.00} opened on XX/XX/year> under the account number XXXX, and the other XXXX  with a total balance of {$530.00} under the account number XXXX on XXXX and XXXX Insurance loan from XXXX with a Total balance of {$760.00} under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: WV

Complaint narrative:
I contacted Clarity Services yesterday by phone and instructed them to add a 7 year extended fraud alert to my credit report with them. They wanted to harass me wanting me to send in paperwork which I am NOT required to do. I have extended fraud alerts on all my credit reports including Experian which Clarity Services is a division of Experian so they are OBLIGATED AND REQUIRED by FEDERAL LAW to IMMEDIATELY PUT AN 7 YEARS EXTENDED FRAUD ALERT ON MY CLARITY CREDIT REPORT. I WILL BE UTILIZING MY LEGAL RIGHTS AGAINST CLAIRITY IF THIS EXTENDED FRAUD ALERT WITH MY CONTACT NUMBERS XXXX AND XXXX IS NOT IMMEDIATELY PUT ON MY CLARITY 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 2024-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC
State: MS

Complaint narrative:
On XX/XX/year>, I received a document from Advance Financial 24/7 stating that I was pre-qualified for a line of credit of up to {$4000.00}. They expressed that I was XXXX of the XXXX people in XXXX XXXX who have been pre-qualified for a CC Flow Line of Credit. This statement by itself gave me the impression that I was receiving a benefit that some of the other neighbors in my area. I recognized the clear discrimination against the other people in my local area. Although I was told that I was pre-qualified, I still got denied. After filling out the application that was required before I could receive the line of credit, on the preceding page I received a message that stated " Application denied '' " Regretfully, we are not able to approve your loan request at this time. They also placed a hard inquiry on my credit without my express written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Shellpoint Mortgage incorrectly and grievously submitted to all the credit bureaus that I was late paying my mortgage payments in XXXX and XXXX of XXXX  as a result substantially lowering my credit score. Shellpoint Mortgage reported that I was late on my mortgage payments in XXXX and XXXX of XXXX. I have called 2x and was told that they would remedy the situation, because it was their fault. The did this with XXXX but not with XXXX or XXXX. I submitted a dispute with XXXX and XXXX told me when they spoke to Shellpoint they told them that my dispute was incorrect and that I was late with my mortgage even though I was told by Shellpoint that they knew they made the mistake and that they would rectify it. I don't appreciate being lied to by Shellpoint when they said they would take care of this credit reporting mess, I don't appreciate having to take time in my busy day to have to call them 3x to try to get this sorted. And I really don't like that they hosed over my credit score due to there negligence and are not fixing their mistake. 

I was unaware that there was an increase in my home owners insurance and a change in my escrow, changing my mortgage payment amount. Shellpoint claims that they sent out a updated escrow analysis in XXXX of XXXX. Attached is a document that Shellpoint sent me today that proves that they sent the XX/XX/2024 document - notification of the change to my monthly payment to the WRONG address ( XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ) instead of the XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX address where the property is located. Because of this error I did not know that the amount of the monthly mortgage payment had changed until I spoke them in late XXXX. This attached pdf also states that Shellpoint did receive the {$1500.00} payments for XXXX and XXXX on-time but they chose not to deposit those payment until much later. 

I can not and should not be responsible for Shellpoint 's errors, and with no knowledge of the new mortgage amount or control as to if or when they are depositing the mortgage payments I made ( on-time ) and therefore should not be penalized by Shellpoint 's claim that my mortgage payments were not made on time that has been reported to the credit bureaus. 

Also attached is my online bank transaction log showing the mortgage payment in question sent to Shellpoint on-time, and a statement showing how long it took for Shellpoint to actually deposits those same payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: IL

Complaint narrative:
I paid my XXXX account on time everytime I need this delinquency removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX issued a credit # XXXX of {$100.00} to Wells Fargo . Wells Fargo disputes credit being issued.

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 2024-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I leased a XXXX XXXX. Two hard checks were placed on my credit report instead of only one. 
One from XXXX XXXX and another from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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:
I have attempted numerous times since BEFORE the pandemic pause ended to get MOHELA to take me out of forbearance, because I want to work toward Public Service Loan Forgiveness. So I have been making requests since about XX/XX/year>. 

I requested via phone and in writing, but they said the Department of Education/Federal Student Aid was responsible for my forbearance status -- and that they ( MOHELA ) had to make a request for me to be removed. So I obliged and waited for this " request '' to go through. I believe this may be because I had filed a Borrowers Defense Against Repayment form. However, regardless of the BDAR form, I wanted to be placed back into repayment under the SAVE Plan -- especially considering my payments under that plan were {$0.00}.

MOHELA said they requested the DoE/Federal Student Aid, but nothing happened. So I would call FSA. Federal Student Aid would say MOHELA is in charge of my loans and my forbearance status. I filed a complaint with the DoE/FSA . Nothing has moved except I did receive one email communication from the Federal Student Aid. However, now I don't see the complaint show up when I log into Federal Student Aid. I have attached a screen shot of the last communication I received from DoE/FSA . It said " they are happy my forbearance status changed, '' but I sincerely have no idea what they are talking about because as far as I can tell, nothing has changed because I have been in forbearance since the pandemic, despite my requests to be taken out of it. My guess is that it simply changed from XXXX type of foreberance status to another, due to the court blocking the SAVE plan. And now the DoE won't count these payments toward PSLF. However, I never received any official communications about this change in the type of forebearance -- I have no real dates listed as when foreberances started or ended to be able to track this myself. 

I also am not completely sure why the DoE/FSA kept passing me back to MOHELA if MOHELA actually had no control over my forbearance status. It feels like a coordinated effort of forbearance steering and keeping me off of the PSLF track and prolonging my ability to achieve forgiveness for as long as possible.

I believe MOHELA also was inappropriately charging me interest on my loans. Especially considering I was supposed to be on the SAVE Plan, in which interest isn't supposed to accrue. Since last XXXX, when repayments restarted, my balance has ballooned by almost {$4000.00} ( during the payment pause, my balance was about $ XXXX. Now it is at nearly {$79000.00}. I have checked my credit report, and the amounts I see do not make sense to me. I attached a screen shot of my credit report, where you'll see the balance increases starting in XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX of 2023 I took a loan through Affirm in the amount of {$330.00}. I had my XXXX  checking account set up for auto pay, with the correct account numbers for it to be taken out every month successfully. I have zero problem paying this full amount back along with interest. I spoke with my bank, the credit bureau, and Affirm 's customer service about this issue multiple times. Nobody has led me in the right direction. When I called Affirm regarding this loan repayment, I asked them why the funds were not taken out of my account. They told me over the phone that my bank checking account was closed, or I didn't have the correct checking account aligned with auto pay which is false.I have verified with XXXX that my checking account was in fact open and had available funds to pay off this loan for the months of XXXX, XXXX, XXXX, and XXXX of 2023 which I will provide below. There should be no reason this should be reported as a late payment on my credit report, as this seems like an error on Affirm 's end. They are unwilling to assist me as they charged off my loan in XXXX and sent it to a collection agency under the name of XXXX XXXX. I never received notice of late payments otherwise this would've never came down to this. I just want to settle this late payment and possibly have the ability to get the late payment reversed if possible. I'll set up a payment or pay the amount in full. I plan on moving out and my XXXX XXXX has dropped dramatically due to this late payment. I'm only XXXX XXXX XXXX and I can't get approved for anything with a XXXX XXXX in the XXXX. Please help me with this dispute I don't know what else to do in my favor to reverse this late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal loans XXXX from XXXX XXXX with a total balance of {$350.00} opened on XX/XX/year> under the account number XXXX, and the other XXXX  with a total balance of {$530.00} under the account number XXXX on XXXX and XXXX Insurance loan from progressive with a Total balance of {$760.00} under the account number XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-08-27 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: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX  XXXX XXXX XXXX XXXXXXXX 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 CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Checking, Savings, and Investment Accounts opened on XX/XX/year> Transfer of funds ( {$20.00}, XXXX ) from XXXX XXXX to Chase XXXX - week of XX/XX/year> Transfer of stock ( ~ {$30000.00} ) from XXXX to Chase XXXX - week of XX/XX/year> Text notification of bank account XXXX - XX/XX/year> Consumer attempt to mitigate account closure - XXXX XXXX XXXX Branch XXXX notification of final decision by bank to close accounts - XX/XX/year> Several consumer requests to bank on insight as to why bank account was closed upon transfer of funds ( consumer also unable to access online accounts nor obtain visibility into how money is being managed ) - XXXX XXXX XXXX Notification by bank of cashier 's XXXX XXXX for Savings account funds ) issued to XXXX - XX/XX/year> As of XX/XX/year>, consumer is still unclear on the status of the securities transferred to Chase from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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