vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep dissatisfaction and concern regarding the improper handling of my mortgage application by Loan Depot, which has resulted in significant financial and emotional distress for me. Despite numerous attempts over the past two years to address the issues I have encountered with Loan Depot, I have yet to receive appropriate treatment or necessary responses. 

The most recent incident highlights the recurring problem I have faced with Loan Depot. In my latest claim, I clearly outlined instances of improper data handling by Loan Depot, yet they failed to conduct a thorough investigation and instead provided a superficial apology to placate my concerns. 

I demand that Loan Depot provide a detailed explanation of the errors in information usage during their data transfer and management processes with external consulting services. How were these inaccuracies generated? Did Loan Depot mishandle information or was there data corruption during the transfer process? No answer has been provided after 60 days. 

Since initiating complaints in XXXX, Loan Depot has consistently failed to address the fundamental question of why my loan application was denied citing insufficient funds when I clearly had adequate resources. 

This ordeal has caused substantial financial losses and emotional distress. I have invested significant time, energy, and endured mental stress in the eight appeals submitted to date. I urge for appropriate compensation to be made for these damages. 

Thank you for your attention to this matter. I look forward to a prompt and thorough investigation into Loan Depot 's practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> someone pretending to be an employee from the fraud department with Wells Fargo called me to say someone was trying to XXXX XXXX to someone in another state from my account and wanted to know if i authorized this transaction and i stated absolutely not. They then proceeded to tell me that someone had gotten into my online bank account and had turned off the alerts so thats why i didnt receive any info on my end and that they would be texting me access codes to go into my account and turn the alerts back on and then they were gon na start an investigation. They then gained access to my savings, personal and business account and moved money around trying to withdraw my funds. They were able to set up apple pay on both my personal and business account and withrdraw money from a Wells Fargo Bank in XXXX Florida which is atleast 4 hours from my home and were able to withdraw {$300.00}. Then they used my card to access some funds for online gambling as well and withdrew funds. I went to the the local branch on XX/XX/year> and wanted to speak to someone in person and that time i was made aware that this person was impersonating a Wells Fargo employee and wasnt legitimate. I was furious so they filed the claims on my behalf and then denied them stating the person had my pin number which i didnt give to them so they denied the claim. I am furious., this has effected me mentally, physically and most of all my business. I then left and went to my local police department and filed a complaint with them. This is a sad world when even the banks side with the scammers. I'm extremely mad and will take this action further. If you can help that would be great. Thanks and have a happy 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 monetary relief
Consumer complaint received 2024-03-28 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: IL

Complaint narrative:
I have not engaged in any financial activities with those creditors recently, nor have I initiated any credit applications or transactions that would necessitate such an inquiry. As a vigilant consumer, I regularly monitor my credit report and am committed to maintaining its accuracy.

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 2024-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP

Complaint narrative:
In XXXX I was on holiday in XXXX. I opened a bank account in USBank. 
opened a checking account and savings account, because I wanted to have a credit card to do online shopping from XXXX, as XXXX 's credit card would charged way too big taxes on purchases in foreign currency. 
Opened a checking account and deposit XXXX and XXXX  XXXX on a savings account. 
A month later, go them closed with no reason. 
Received a check for the savings account and cash it. but the Savings account check arrived late and never cashed. when back home try to contact the bank several times and waiting on the phone was super expensive from XXXX. 
I visited a branch XX/XX/XXXX when travelling to XXXX, the one nearest to XXXX. 
spoke to the manager, she was almost an hour talking to someone from some department in USBank. She took copies of my passport, I showed her the photo of the check and she confirmed the check has not been cashed and was still good to use. But I did not have it as it was deliver to the address on file at the bank, my friends place in XXXX. He misplaced the check. I have been waiting for that check since. The manager from that branch never answered my emails and when i called the bank they say they can't pull up my account because its closed! i gave them the savings accounts and can give them photo of the check but no-one takes responsibility. last week I contacted one more time to the person who opened my account cause she remembers me and she is trying to get any info but she is leaving on maternity today XX/XX/XXXX. She said she copied her branch manager. 
this is getting really complicate and I just read about this agency that could help me. 
Would like if possible to to get that check mailed to me in XXXX, or be waiting for me if I decide to go via XXXX to XXXX. Or even send it to my friends place, same address I gave the bank when I opened the account. 
Thanks

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 2024-03-28 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2024-03-28 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: MI

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 2024-03-28 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: SC

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-03-28 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: KY

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-03-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I want to emphasize that I did not authorize this inquiry, nor do I have any existing or previous relationship with the creditor or institution listed. As a responsible consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I XXXX XXXX am in fact writing this complaint, with purpose and is not a mistake. TD BANK is illegally furnishing unverified information with revoked permission on my consumer reports and are willfully noncomplying with my Gramm leach Bliley Act request to opt out of the sharing of my NON PUBLIC PERSONAL INFORMATION INCLUDING any alleged late payments or transaction history from being furnished. I sent in a letter with all of what the law requires under 15 USC 1666b - Timing Of Payments and 15 USC 6802 ( certified mail number XXXX XXXX XXXX XXXX XXXX XXXX that arrived XX/XX/2024 proof attached ) and received no response from TD BANK. This sensitive data being shared unlawfully without my permission is affecting my reputation and ability to receive funding for my business. TD BANK has failed to comply with both federal requirements under the credit card billing act and gramm leach bliley act, all proof is attached below. I'm submitting a comptroller and SEC complaint for noncomplying and mismanaging my security.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to emphasize that I did not authorize this inquiry, nor do I have any existing or previous relationship with the creditor or institution listed. As a responsible consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/24 paid {$35.00} minimum XX/XX/24 paid {$35.00} minimum for XX/XX/24 on accident but they wont allocate which Im not concerned about. However They reported my XX/XX/XXXX payment as 30 days late and I Paid XX/XX/24 {$700.00} before 30 days so how is it 30 days late. They told me if my bill is due XX/XX/XXXX and statement closes XX/XX/XXXX then if I paid XX/XX/XXXX they WILL report it 30 days late but that is in fact only 4 days past due Paid XXXX was all set till XX/XX/XXXX and I paid 14 days late so Im lost at how they report saying based off the statement date and not the due date but even then Im not 30 days late

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 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I had two unauthorized charges on my account of {$290.00} from XXXX pending in my account. So {$580.00} total stolen from my Sofi checking account. On the day they showed up pending, XX/XX/XXXX, I immediately called sofi to report it, all they said was I had to wait until the charges posted on my account to even dispute them. I also called XXXX on that same day and put a dispute in with them because those transactions were listed no where on my account. XX/XX/XXXX, the transactions posted and I disputed them. After waiting 2 weeks they denied my claim on XX/XX/XXXX. I then sent them my statements from XXXX or XXXX showing my {$50.00} a month wifi payment for proof. On XX/XX/21 they denied my claim again and then stated they were closing the dispute. I asked for proof and all they could provide in the document was the fact that I had done business with the company before. I have never paid more than {$50.00} a month to XXXX and they tried to say that {$580.00} in one day was within my normal spending habits. I emailed back again this day to appeal the decision. They never responded until I threatened to submit a complaint with this bureau. The sofi fraud department is a joke, they only can communicate through email and you can not talk to a human. They dont even contact the company the dispute is with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
following company has fraud my identity and reported charge not true. the charge amount as reported there is no accuracy and totally unknown for my concern. 

JEFFERSON CAPITAL SYSTEM, XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The presence of public records on my credit report is unacceptable and is causing me significant distress. I implore you to remove them immediately to alleviate my 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 2024-03-28 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: MD

Complaint narrative:
I am writing to express my extreme frustration with the ongoing issue regarding the collection accounts on my credit report. Despite my repeated attempts to resolve this matter, the inaccurate information persists. This not only reflects poorly on your organization 's credibility but also violates my rights as a consumer.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They refuse to unblock my credit report for creditors to view my credit. Ive called numerous times and also sent in requested documentation. Everytime I call the ask for documentation them when they see them they says the block is off but never takes is off

Company response to consumer: Closed with explanation