vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: NC

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 2024-03-01 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My XXXX credit score is impacted by an error causing my score to be XXXX to XXXX points lower than what it should be. 
A false remark stating that I dispute the information of one of my HSBC account keeps showing up on my report when there is no such dispute. I do not dispute anything. 
Still it is the 4th time the following happens : - I notice that my XXXX credit score has dropped suddenly from Excellent to Fair on just one day - I see on XXXX that the only change that occurred is that a remark stating that I dispute my HSBC credit card account information has been added- I call XXXX to remove this erroneous remark since I have not filed any such dispute. They say it is an error and it should be removed in 72hrs. 
- the remark is removed and my credit score immediately goes back up to Excellent ( gains about XXXX to XXXX points ) - a few weeks later, the cycle starts all over again. The remark resurfaces. My credit score drops, I spend hours on a call with XXXX support explaining the issue again, they remove the remark, credit score goes back up, remark comes back several weeks later this has been going on for over a year. Each time they say the remark wont come back. 
I also contacted hsbc and they say they are not responsible for triggering the dispute remark, cant do anything about my credit score and claim that only XXXX can solve this. 
I am in the process of home buying and for mortgage purposes, I cant afford to have my credit score being wrongly affected by those unfair drops when my credit is actually in excellent standing. I already was denied a lease on an apartment last year because I had not realized that my credit score had again dropped before submitting my rental application Here is the reference provided by the representative on my last phone call to XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: IN

Complaint narrative:
To Whom It XXXX Concern, I am writing to you in regards to fraudulent accounts that have been unlawfully reported on my consumer credit report, which have arisen from identity theft. It has come to my attention that these accounts were reported without proper verification, as required by law. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I demand immediate action to rectify this situation and ensure the accuracy of my credit report. 

I hereby request the deletion of all personally identifiable information from my consumer credit report, with the exception of the following : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX I request the removal of all other addresses as I neither receive mail nor have access to any of them. Please update my address to the one provided above for all future correspondence. 

Furthermore, I request the deletion of any phone numbers associated with my credit report, except for XXXX XXXX XXXX XXXX, which is my sole contact number. 

For privacy reasons, I demand the removal of my Social Security number and date of birth from being displayed on my credit file. 

Additionally, I request the deletion of all information in the employer section. 

As a federally protected consumer, I am entitled to privacy under the Fair Credit Reporting Act 15 USC 1681 and its subsections. Failure to grant me my rights constitutes a direct violation of this law. 

Please acknowledge receipt of this request promptly and provide confirmation once the requested actions have been taken. I expect a timely resolution to this matter within [ insert time frame according to relevant laws or regulations ]. 

Thank you for your immediate 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 2024-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo has been a terrible company to work with as evidenced by the recent CFPB rulings and penalties assessed. I feel like my problem with Wells Fargo has not been recognized and I am sure mine is not the only situation. 

HISTORY : After 14 separate attempts between XXXX of XXXX and XXXX of XXXX to modify my {$630000.00} mortgage loan ( loan originated in XXXX ) with Wells Fargo at a rate of 6.875 % on my home valued between {$450000.00} to {$500000.00} -- - {$130000.00} to {$180000.00} LESS THAN MY MORTGAGE -- - Wells Fargo, and the investor XXXX, brought foreclosure proceedings against me in XX/XX/XXXX. 

CURRENT DAY : Most recently in XXXX of XXXX, Wells Fargo sent me a {$200.00} check. I called Wells Fargo to inquire the purpose of the check and I was told that the check was to pay me for " errors in the calculations when modifying your loan. '' I asked for documentation SINCE MY LOAN WAS NEVER MODIFIED and I have received nothing as of today. 

MY LOAN WAS NEVER MODIFIED AND MY LOAN ENDED IN FORECLOSURE PROCEEDINGS STARTING IN 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 2024-03-01 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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

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 2024-03-01 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I went to check my payment for next month XX/XX/XXXX via the SYNCHRONY app and it had said go online or call SYNCHRONY. I checked the online this morning to find out that the account is closed with no reason as to why it was closed I called XX/XX/XXXX to SYNCHRONY they said due to to many revolving credits I told the rep. they had no right to look at my other accounts or check my credit score with out my authorization bad enough they had already lowered my account last month from XXXX $ to XXXX XXXX I also asked why they closed the account all they could say was revolving credit and couldn't answer who I could talk to about it being resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: PA

Complaint narrative:
Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006.

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX ( Experian )

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 2024-03-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate your attention to removing some of the fraudulent items from my file, stemming from alleged fraudulent activity. However, there are remaining items that require removal. This serves as my second communication regarding being a victim of fraudulent activity, disputing certain items resulting from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly remove any items in my credit file resulting from alleged fraudulent activity, as they are unknown to me. Additionally, I have doubts about the accuracy of the information provided on these items and the reported payment history. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached FTC report # XXXX for your reference. Below are the remaining items I request to be removed, categorized by bureau : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$920.00}. Once again, the disputed items do not relate to any authorized transactions. Kindly remove them promptly from my credit reports. I anticipate positive results within the next 30 days.

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 2024-03-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My Equifax credit score is impacted by an error causing my score to be XXXX to XXXX points lower than what it should be. 
A false remark stating that I dispute the information of one of my XXXX account keeps showing up on my report when there is no such dispute. I do not dispute anything. 
Still it is the 4th time the following happens : - I notice that my equifax credit score has dropped suddenly from Excellent to Fair on just one day - I see on XXXX that the only change that occurred is that a remark stating that I dispute my XXXX credit card account information has been added- I call equifax to remove this erroneous remark since I have not filed any such dispute. They say it is an error and it should be removed in 72hrs. 
- the remark is removed and my credit score immediately goes back up to Excellent ( gains about XXXX to XXXX points ) - a few weeks later, the cycle starts all over again. The remark resurfaces. My credit score drops, I spend hours on a call with Equifax support explaining the issue again, they remove the remark, credit score goes back up, remark comes back several weeks later this has been going on for over a year. Each time they say the remark wont come back. 
I also contacted XXXX and they say they are not responsible for triggering the dispute remark, cant do anything about my credit score and claim that only Equifax can solve this. 
I am in the process of home buying and for mortgage purposes, I cant afford to have my credit score being wrongly affected by those unfair drops when my credit is actually in excellent standing. I already was denied a lease on an apartment last year because I had not realized that my credit score had again dropped before submitting my rental application Here is the reference provided by the representative on my last phone call to Equifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This creditor has never provided me proper debt validation for this alleged debt and violated my rights by not giving me a chance to address alleged debt and has also reported four late payments and a collection charge off account as bad debit to consumer reporting agency without supply me with any 1099C or 1099A, or any kind of notification and tricked me to pay alleged debt settlement for less of alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
This creditor has never provided me proper debt validation for this alleged debt and violated my rights by not giving me a chance to address alleged debt and has also reported four late payments and a collection charge off account as bad debit to consumer reporting agency without supply me with any 1099C or 1099A, or any kind of notification and tricked me to pay alleged debt settlement for less of alleged debt.

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 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX description : XXXX XXXX XXXX XXXX is holding roughly {$34000.00} on XX/XX/2024. 
When contacting customer service they said I need to verify my identity and that what I did. Shortly after I received an email that they were deactivating my account and holding my funds for 90 days and could not explain why. Their hold is arbitrary and capricious ; ample proof was given to validate transactions and my identity ; after proof was provided the resolution time was unwarranted. 

The software that we use for our sports league is called XXXX XXXX They use 3rd party ( square ) for their payment processing when teams register for events. This is why we used square because it was supposed to be easy and stress free for us as a league.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I picked the Amex gift card because Amex marketing stated they can be used anywhere that accepts Amex. I have not been able to use these at any retailers- including, XXXX, XXXX, XXXX, school tuition, XXXX. the Amex website states I should be able to add to my apple wallet and i can not. I have 11 gift cards in the amount of {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-01 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: Global Lending Services LLC
State: FL

Complaint narrative:
This creditor has never provided me proper debt validation for this alleged debt, and violated my rights by not giving me a chance to address allege debt And reported alleged death to all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/26 I received emails and calls from someone stating they were the fraud and security agent from my bank. They stated my bank and connected accounts had been compromised and I had until XXXXXXXX XXXX that evening to act before my other accounts were also compromised. 

They called from the same phone number as my bank. They also sent calls and texts to " verify '' their legitimate associations with my bank. They then sent text/links to both ask for access and coerce me to initiate transfers, so that a transaction ID could be generated. They stated that these transactions would be used by the bank to then reverse and cancel lost funds. They promoted me to move funds via XXXX XXXX, XXXX and XXXX. In total, these transactions were {$4800.00}. 

I called Wells Fargo and initiated a stop for these transactions and requested a claim be filed for these funds being lost to coercion. I opened a claim, at Wells Fargo direction, XXXX for XXXX and the other charges separately. I filed similar disputes with XXXX XXXX and XXXX. 

XXXX XXXX, only engaged with me with text on the app and refused to reconsider or receive my supporting documents or police reports filed. Stating only that they do not reimburse funds. They directed me to request a refund from the recipient as a way to correct. They didn't. 

I have persued taking to Wells Fargo, and they too stated reimbursement was not a possibility. They stated they requested the funds be returned from the receiving bank, but I have not heard neck about this. They sent me an email stating the claim was denied and closed. 

XXXX, did engage with me, received my supporting documents, and did reverse their decision, and will return the funds. 

Earlier last year, I had a XXXX breach and opened the claim process with Wells Fargo and they also denied and closed claim, taking no responsibility of my funds oversight as my banking institution.

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 2024-03-01 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: FL

Complaint narrative:
I have two accounts that have been added to my credit reports in error. These accounts do not belong to me and need to be removed. 


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