vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
my home is being unlawfully foreclosed on with fraudulent assignments. This is also a case of dual tracking the mortgage co and i were in conversation about a loan modification. They mail me loan modification package and i submit the complete package instead of working on the modification they sent my loan to XXXX XXXX XXXX FOR FORECLOSURE. THEY WERE SENT A QWR AND THEY HAVE RESPONDED TO MY REQUEST, NOR DID THEY RESPOND TO MY NOTICE OF ERROR OR NOTICE OF DEFAULT WITH THE QWR I ALSO ASKED FOR THE GAP ACCOUNTING AND THEY DIDN'T PROVIDE IT

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 2023-08-24 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

4. The following personal information is incorrect Account Number : NAME : 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 explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
i had a XXXX balance Fortiva credit card from wayfair. 
I received an alert from XXXX that my credit score had decreased XXXX points due to Fortiva closing my account. They then opened a Fortiva Retail Credit Mastercard under my name without my permission or signature. so i got hit on my credit with closing and opening a new account. Which was a decrease on all 3 bureaus for something that i did not do or even authorize. I contacted Fortiva as i did not give authorization for any of this and asked to see where i signed to do this. Their response to me was that they had emailed me on XX/XX/23 and i had an option to opt out until XXXX, because their was no response and i did not opt out ( BECAUSE I WAS NEVER EMAILED ) They closed one and opened another one. How is this legal th=at they can do this to someones credit? I have included our email correspondence below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2023 I notified Chase bank in regards to my denial for a vehicle from XXXX XXXX XXXX. The representative that I spoke with explained to me that he was aware of the Federal Reserve Act Section 16 and Equal Credit Opportunity Act and that Chase Bank doesnt have to abide by the Constitutional guidelines and policies. Roughly thirty minutes to an hour later a supervisor reached out to me. I expressed my same concern and she gave me the same answer. She also switched me over to her supervisor. They had me on off and suddenly the phone hung up mid ring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I ordered an icemaker ( Order # XXXX ) on XX/XX/2023 for delivery to store # XXXX. 
I have not received the item yet. Today I called Home Depot ( XXXX ) and spoke to XXXX, who could not explain why I didn't get the item yet. 

The invoice number is : 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
They said they was going to remove the inquiries, but they never did inquiries that I did not authorize

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have the Platium American Express card. On XX/XX/XXXX I contacted the company via chat to discuss closing the card as I did not feel it was worth its high annual fee. During that conversation I was offered to keep my card open in exchange for XXXX points if I spend {$4000.00} in three months from the office. From there I left the card open and continued to spend on that particular card to get to the {$4000.00}. I contacted Amex last week to touch base as I had not received the points but felt I met the threshold of XXXX XXXX spend, only to be advised that it was never applied to my account. I explained what happened and the reps are able to see the offer in their chat history. I have a screen shot of the offer for my records and offered to send that over as well. I was told because I did not say some magic word that they did not apply the retention offer to my account and that no current offer was available. I asked if they could use the offer from XX/XX/XXXX since obviously there was some sort of disconnect / error. I was told a case would be submitted to see if they were willing to fix it. Today I touched base and was advised that there is nothing they can do. I feel like this is a bait and switch possibly falling under UDAAP. I advised Amex of this to no avail. I was offered a retention bonus, stayed with Amex and continued to use my card based off of that offer. Now I am being told it was never applied to my account. This is not good business. I would like my offer applied to my account per our conversation on XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the recent restrictions imposed on my credit card account with my Goldman Sachs XXXX Apple Card XXXX I have been facing significant challenges in using my credit card for the past couple of weeks, and I believe these restrictions are unjustified and detrimental to my financial well-being. 

I want to emphasize that I am a XXXX citizen, and these financial restrictions have caused undue stress and inconvenience to me. My XXXX XXXX  and fixed income make it essential for me to have access to my credit card to cover daily expenses, emergencies, and various other essential purchases. Unfortunately, I feel that my circumstance as an older individual may have been taken for granted, leading to the current situation. 

It is important to note that my credit card account is in excellent standing, with no outstanding balance due. I have maintained a timely payment history, and my creditworthiness should not be a factor in the restrictions that have been placed on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Address Update and Removal of Outdated Addresses Dear Sir/Madam, I hope this letter finds you well. I am writing to request an update to my address information in your records and to have certain outdated addresses removed from my credit report. Please find below my updated address details : New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you update my information accordingly. Additionally, I would like to request the removal of the following outdated addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I appreciate your prompt attention to this matter and request that you make these updates to my credit report as soon as possible. If you require any further information or documentation from me to process this request, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your assistance in keeping my credit report accurate and up-to-date. I look forward to a favorable resolution of this matter. 

Sincerely, 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 2023-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Keep raising mortgage payments, claiming escrow is low or depleted because of taxes and insurance. First, it was water bill, than it was analysis every 2 years now it reserves escrow!!!! Select portfolio services!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
Experian is reporting 3 Inquires on my credit report that does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent information is being reported on my credit report and Experian has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.

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 2023-08-24 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has run my credit 2 times now, both being hard inquiries. Each time has been without my knowledge or permission. I am NOT an account holder/ customer of theirs and have not given them any of my personal information. The first time was last year, on XX/XX/XXXX. After fighting with them for almost 2 months, I was able to get them to remove it. This last time was on XX/XX/XXXX. I have had nothing but trouble with Wells Fargo since then. I was told they had a deadline of the XXXX to resolve it and get back to me, and I never heard back from them. I reached back out to have them tell me that there is nothing they can do for me.

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 2023-08-24 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 





1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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 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 2023-08-24 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXHas violated my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. 

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.

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 2023-08-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was denied services by an airline company and reported the same to the credit card company and requested a refund.THey initially provided a response from the merchant and asked for my response.When I provided my response, they did bot resolve the request and are saying merchant is not willing to give the money, When I asked to share the response from the merchant, they are just ignoring and not responding

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 2023-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
American Education Services aka PHEA has returned my payment from XX/XX/ and this was for the amount for {$1200.00} and this is the third time they've done so, despite my using the same bank information everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Have an account with Truist, wanted to close it because they flagged a fraud check I received via mail and they refuse to give my direct deposited job check from my checking account which is a separated account.

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 2023-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This act qualifies as an unfair practice as defined by UDAAP as the subsequent month 's fee is unavoidable due to timeline of statement issuance and JP Morgan Chase Bank 's " minimum daily balance '' requirement. 

My complaint is the next statement cycle has already begun BEFORE the consumer is notified of the fee which results in an UNAVOIDABLE second {$5.00} fee on the next month 's statement. 

This is a basic example of monetary injury that is not reasonably avoidable by consumer : Notification of XXXX Statement is available was emailed on XX/XX/XXXXXXXX XXXX  for cycle ending XX/XX/XXXX. There is a {$5.00} fee for insufficient DAILY balance, not average balance. 

Notice of XXXX Statement is available was emailed on XX/XX/XXXX for cycle ending XX/XX/XXXX. This is the UNAVOIDABLE additional {$5.00} fee for insufficient DAILY balance because consumer isn't aware of preceding month 's fee until after the next month 's billing cycle has begun. 

See attachments please. 
Thank you for your time and consideration. 
Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian will not dispute a fraudulent XXXX credit card because they claim the bank verified the debt. However, on their website they state that a credit bureau has to create a new dispute ( If new information about the fraud is provided ) XXXX provided me the fraud address that was used to create the account which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. Someone living there received the card. This address is not mine. It's not even on my credit report. All I want is my right to dispute the fraudulent account.

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