vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: SC

Complaint narrative:
it appears that my credit report has accounts that do not belong to me. I have submitted my Submitted my DL and SS # to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiples disputes regarding information Equifax has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: AR

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a XXXX balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.

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 2023-05-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am writing to file a complaint regarding inaccurate reporting on my consumer report. Attached it my disputes to your company and my power of attorney to assure my disputes are processed without any stalling methods from your company. 

Since I have not received my initial disputes back from you in a timely manner I expect these to be processed and finished within 15 days of 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 2023-05-23 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: TX

Complaint narrative:
I have never lived in Wisconsin, I have had my identity stolen back in XXXX and I have filed it with all XXXX credit bureau. I have seen this address continuously on my accounts.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified, Tell me how is that possible when you the Bureaus have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FCRA, I have contacted the creditor myself, and they have failed to validate that this is indeed my debt with the original contract/note. I have copies of my requests to the creditor, asking them to validate the debt with contracts, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation as owning this debt to these creditors. I have every right to believe This debt is not mine. I attached a full billing statement and proof of ID to the bureaus to show that it is actually me and not a credit repair company and still get no response!.

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 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Servicer, Select Portfolio Servicing Inc ( " SPS '' ), failed to disclose material facts to Buyer ( s ).

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), intentionally failed to disclose written copy of tenant requested repairs for missing heater that created substandard dwelling to Buyer ( s ) and resulted in eviction of tenants after sale of property.

SPS failed to disclose known material facts to Buyer ( s ) that in turn resulted in financial harm to tenant ( s ). 
SPS knowingly failed to properly dislose material facts even after SPS received CFPB complaint on XX/XX/ ( XXXX ) requesting proper disclosure of necessary repairs and lease prior to the sale of property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
While the XXXX letter is really long, and filled with details. As per usual its mostly phony superfluous verbose garbage that describes in great detail things that dont matter while omitting real substance that can be balanced. 
The final agreed arrears are covered. However the fact {$6400.00} was paid on it was left out. Why? 
Its left up to the imagination to credit that amount and guess what else has been added. But we do know the date I filed XXXX  XXXX and the date it was dismissed. The product of the unpaid ( {$28000.00} ) and the months they would not allow payment without reinstatement. XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX at time of letter. That looks like XXXX {$23000.00} + XXXX??? = {$52000.00} sort of matches. Why not detail that stuff? Keeps us in the dark. Hard to dispute. Thats been the case for over a year. XXXX from XXXX  XXXX had the idea to ask XXXX  to show credits applied and their effect on the balance. This was never done, but it would have been a way to prove the canceled XXXX  XXXX trustee checks were deposited but not applied. They just kept saying the payment were applied. 
They werent. see XXXX and statements over {$30000.00} in mistakes From XXXX to fund was to be covered by XXXX. Note escrow is included. 
I was unable to make XX/XX/2022 because of the reinstatement issue. No count of months was outline to be added to the total. We are seldom given enough data to balance and its intentional. 
Note agreed arrears were entered at times when escrow was 200 % requirement. Because of misapplied payments. XXXX XXXX XXXX  should match up month over months because they have always been paid as one payment. The fact the escrow does not match balance is proof of mistakes. 
We see over {$30000.00} in mistakes despite denying any mistake was made for years. It should not be surprising that $ {$4900.00} overage in escrow turns into ( {$3700.00} ) then {$9000.00}. 
The only good thig is XXXX  is so bad at her job she leaves enough data to prove she has no idea what is going on. How could they be off by such substantial amounts. Even when others approve her work. 
Lucky for me she outlines the overage in the phone call on the letter. I think they must use post it notes or something. Its insane. XXXX cant be the only XXXX to experience this. They nearly foreclosed on me. 
{$6500.00} per the letter to reinstate or zero now its {$9000.00}. 
*They have also refused to reveal how Ive XXXX a year in my amortization without overpayments. thats another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/23 I created an account with chase in order to deposit a portion of my settlement check of {$18000.00}. The next day XX/XX/23 I was able to withdrawal {$5000.00}. On XX/XX/23 I was told that my account was closed due to chase not being able to verify my check. My check has been cleared and technically cashed already. This is how I was able to withdraw {$5000.00}. On XX/XX/23 chase sent out a check after closing account, that got sent back to them. Now they refuse to release anything at all. For 4 months I've been going back and forth with my attorneys, chase, and issuer of check. The conclusion chase is the only one at fault and who holds the key to my funds. Chase refuses to release the money to me or back to the issuer because they " can not verify with the issuer of the check '', who happens to bank with chase. Chase refuses to call any numbers I forward them from the XXXX XXXX or the number printed right on the cashed check. They only verify through " their '' system. It been 4 months and I've been homeless for 2, due to the eviction I received stemming from this situation. This whole ordeal has taking a toll on my XXXX XXXX. Lastly, I can never open a chase account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
The company Firstsource Advantage , LLC has already been sent forms requesting validation of debt they are attempting to pursue as well as a request form stating all communications be handled via written and mailed forms to the correct address. They have resulted in phone number cloning and reaching out to others who are not myself with false statements. 
XXXX Called my Mother In Law with false statements that I authorized the use of her phone number for contact XXXX Called my husband 's cell phone and left no message. 

They called me many times with no messages and have continued to utilize phone number cloning to hide their identity in an attempt to work around my request for written communication only. 

My most recent mailed communication to them was sent on XX/XX/23 once again requesting a validation of supposed debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received notification that there was a hard inquiry on my credit report on XX/XX/ by XXXX XXXX ( BANK ). I called the SYNCB number and they were unable to find what a credit inquiry was requested and forwarded me to XXXX. XXXX said, before they could do anything further, that I needed to file a report with the FBI, who sent me to this website.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Information on fraudulent accounts coming acknowledge verified. With no proper proof of person they spoke to during the initial investigation. They never sent me the response on the accounts put in dispute. They also disregarded my right to this information, pursuant 15 usc 168b I never gave them consent to furnish information to my report. Furthermore the information is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: TX

Complaint narrative:
I have never lived in Wisconsin, I have had my identity stolen back in XXXX and I have filed it with all XXXX credit bureau. I have seen this address continuously on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  credit company has me with one open account for {$19000.00} for child support Enforcement and XXXX but no account numbers to go with them i do not want false information on my credit report in no way it violates my constitutional rights.. 

Tranunion credit report company is putting accounts on my credit report with out my written permission which violates my constitutional rights. they have sefcu account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now they are violating my rights that i have in the next paragraph ... .i would like this false information off of my credit report right away, they can not produce a copy of my written permission..and it violates my prvacy..and the information is false ..... 


15 u.s.c 1681 section 602 A. law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXX XXXX XXXX XXXX XXXX Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 



15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX XXXX U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX XXXX U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a 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 2023-05-23 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I tried to open an account with my local credit union and was told that I'm in the XXXX, I pulled my XXXX report and it shows that santander bank if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a santander bank in my area, the closest santander bank near me is more than 100 miles away, I need validation of the debt, I need the originla contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my XXXX report or I will file a suit.

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 2023-05-23 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: FL

Complaint narrative:
XXXX 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 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 space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX 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 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 space 15 U.S.C.1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is in accurate.

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 2023-05-23 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and this is my first complaint against your company for not handling my disputes properly. Im attaching my documentation once again since your investigation took more than 30 days and you havent corrected my credit report. I expect to get a answer from you guys in 10 business days resolving my matters.

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