vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am submitting a complaint against TransUnion regarding their failure to properly address my dispute letter sent on XX/XX/year>. In this letter, I requested an investigation into inaccurate items on my credit report, including accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy record numbered XXXX. Additionally, I disputed unrecognized inquiries and incorrect personal information listed on my report. To assist in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. However, I received a response from TransUnion dated XX/XX/year>, stating that they couldn't process my request because it didn't appear to have been sent directly by me or a properly authorized third party. This response is unacceptable, as it implies a lack of effort on their part to conduct a reasonable investigation into the accuracy of the disputed information, as mandated by the Fair Credit Reporting Act ( FCRA ). Enclosed with this complaint are copies of my dispute letter sent to TransUnion, along with their response, as evidence of their failure to adequately address my concerns.

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 2024-02-29 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: TN

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reviewed my consumer reports and noticed that i had late payments on XXXX accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/XXXX ) through dates ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-02-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I applied for an apartment in 2020. I never signed a lease, I just applied. I never paid a deposit. I never got an apartment number. I never got a key. Because I didnt sign a lease. I asked the collections agency to provide me with a copy of the lease that I supposedly signed and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I applied for a loan online received a call stating that I was approved for X amount of dollars gave them all my information regarding my bank account routing number loan number etc. have yet to receive funds have already had my identity stolen multiple times they say there with Quicken loan yet when I called them they answer the phone and when I start discussing where my money is they hang up on me the phone number is XXXX XXXX XXXX. Every time I call they hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I sent Credence Resource Management LLC a certified letter to verify proof of the charges they saying I owned they signed the certified letter but didnt send back the documents that was send to Credence Resource Management LLC from me instead they send me back a debt collector bill stating that this debt been verify and also send me blank cell phone statements. This doesnt count as verifying a debt. The statements they send me is blank because I never made any calls or use any data on this account and the cell phone was send back to the company! I dont owned this balance and also i need my documents to be filled out and return back to me within 30 days they didnt do it so its past the 30 days I need this balance to be remove off all three of my credit reports They didnt follow guideline the letter was send out XXXX XXXX. I will attach the letter that was send to me and I also will attach the letter that I send to Credence Resource Management LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX new account balance {$94.00}. Made minimum payment of {$37.00} on XX/XX/XXXX. XX/XX/XXXX late fee {$30.00} XXXX Checked account payment reversed not applied no explanation. XX/XX/XXXX {$2.00} interest charged. Made {$56.00} payment on XX/XX/XXXX. XX/XX/XXXX {$37.00} late fee. XX/XX/XXXX interest {$3.00}. XX/XX/XXXX paid {$43.00}. On XX/XX/XXXX $ {$3.00} interest. XX/XX/XXXX returned payment of {$40.00}. XX/XX/XXXX paid {$40.00}. XX/XX/XXXX returned charge {$30.00} XXXX XX/XX/XXXX return charge fee {$30.00} $ twice! XX/XX/XXXX $ late fee {$37.00}. XX/XX/XXXX. {$3.00} interest. XX/XX/XXXX late fee {$41.00}. XX/XX/XXXX interst {$4.00}. XX/XX/XXXX XXXX {$51.00}. XX/XX/XXXX interest {$4.00}. XXXX/XXXX paid {$100.00}. I never received notification of the payments not going through and reversed until recently. I made several phonecall to company trying to figure out why I couldn't make my payments the site kept telling me you can not make a payment because you have a scheduled payment. I never set up reoccurring payments and still was able to make the payment and if I could it was getting reversed without notification. All reps told me I had no scheduled payments so the payment should be made. Finally in XXXX I was advised I could pay in store which I was aware of and that there was a problem with my bank account. Took months to figure that out. I kept telling them it was going to affect my credit and my credit dropped XXXX points! Now I have derogatory marks for late payments on my credit! None of my other cards have not been paid on time! They ruined my credit score because of their lack of knowledge and no communication! Now I can pay online! Why! I couldn't before all this but now I can? I swear it was intentional if I didn't know better!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following disputed items : 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 explanation
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
I urge you to swiftly remove those inquiries from my account as it is not associated with me and is evidently fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-02-29 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:
The Following accounts were used unauthorized. It affects my Credit File. I need help I am a victim of Identity Theft. Remove the following accounts from my Credit Report!.

1. XXXX XXXX XXXX XXXX Credit Card {$1600.00} 2. XXXX XXXX Auto Loan {$2300.00} Delete also the Following Inquiries from My Credit Report.

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Money Network ( XXXXXXXX XXXX ) is now handling debit card benefits for CA EDD ( including XXXX XXXX  XXXX, which is what I'm using it for ). 
When CA EDD deposits my benefit funds to the Money Network account/debit card, I am unable to transfer these funds to my personal bank account. This option to transfer funds is on their web site but does not work. Keep getting a " rejected batch '' message, 2 days later. Unacceptable. 
It is vitally important to be able to transfer these funds as soon as they are deposited by EDD given the fraud happening with these debit cards AND the fact that this money must be transferred in order to cover monthly expenses with my personal bank account. 
Their app does not work, their customer service does not answer questions, or you can not get anyone on the phone. ( I am currently on hold for over an hour to talk to a supervisor. No one answers ) There are thousands of complaints online about Money Network, so I am not alone in my frustration. Please contact them about CA EDD benefit payments and their failure to resolve issues with residents in CA. ( and across the country as well based on complaints listed online )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I started the process at the end of XXXX. I was assured I would qualify for the loan. I have excellent credit and a long credit history. 
I submitted ALL requested paperwork. They asked my accountant to write a letter about my XXXX tax return, which he did. Then they asked him to write another letter saying something that was not really true. We refused to do that. 
Then they said they could not get me a traditional mortgage, but could get me a less traditional mortgage, with -- OF COURSE, a 2 % higher interest rate. They ASSURED me I would get this one. 
They sent me all the documents AGAIN -- the disclosure documents. 
They told me I was conditionally approved. I got this email today " Hi XXXX, Were aiming to close on XX/XX/XXXX so it will be only another XXXX weeks. The underwriter gave us an approval. Prior to approval conditions fulfilled Now we have to clear prior to doc conditions. XXXX is still helping with file because shes been correspondent with title on your loan. Shell help provide a list together for the remaining things '' I called and asked what 'things? ' Oh, we will have to get you a list. Mind you, I have been providing them documentation since the beginning of XXXX and they don't know what is needed yet? And I have been dealing with the same people. XXXX in particular, XXXX, seems to play the part of the 'bad guy. ' I have never been turned for collateralized financing in my life and I am XXXX XXXX XXXX. 
I believe they are running a 'bait and switch ' to get me into a higher interest, worse terms loan. My initial loan amount was going to be for {$200000.00} with 10 % down and 7 % interest. The new loan that I was assured I was going to get approved for is now at 9 % interest, with 15 % down and outrageous {$10000.00} in closing costs. They are just stringing me along and playing games with me. 
I am tired and just want to purchase this house. The process is abusive. I have a very stable W-2 income which they REFUSE to acknowledge because I am a small business owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
The Following accounts were used unauthorized. It affects my Credit File. I need help I am a victim of Identity Theft. Remove the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX XXXX Credit Card {$1600.00} XXXX. XXXX XXXX Auto Loan {$2300.00} Delete also the Following Inquiries from My Credit Report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2024-02-29 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: MA

Complaint narrative:
I am a XXXX XXXX in private practice. Since my office closed due to XXXX I have been working with my clients on XXXX. I have used Cash App as one way for my clients to pay for my services. I also used it to send money to others. In the last 2 months Cash App informed me I needed to change from using deposits from my local bank checking account and now I could only use my bank Debit card. The bank told me not to give my Debit card numbers to Cash App, it was not safe from scamming. First I could no longer send money, then without notice they stopped allowing me to retrieve money. They had asked for {$1.00} for their services to stay open, I sent them {$10.00}. 
I called twice to attempt to resolve this situation, they were not able to help, nor would they allow me to speak to a supervisor. They insisted I get a Cash App card that would work with a private list of banks, the names of which they would not tell me. There is a 2 week wait for the card. I informed my clients to no longer send me payments through Cash App. Two mistakenly sent me their {$15.00} co pay, one sent {$440.00} for the full amount. So I had close to {$490.00} deposited they would now not allow me access to unless I gave them my Debit card. I filed a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: TX

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Late last year I received money from a sale of a company that I had stock ownership. I opened a high interest yielding savings account with Citi and transferred $ XXXX from my XXXX  checking into the Citi savings. A few days ago we went under contract to purchase a new home and I needed to access $ XXXX from the Citi savings for the earnest deposit. I was unable to transfer anything more than {$500.00} out of my Citi savings and when trying to transfer $ XXXX ( the stated daily limit for the Citi account ) I received a security error message and was directed to Citi customer service. After hours on the phone, all I could get from multiple people is that my account is under review and that they'd get back with me within 24-48 hours. I waited three days with no response and no ability to access the money I needed. When I called back, I got the same response -- account is under review, we'll get back to you in 24-48 hours. At this point, I'm days from closing on a house where I must have access to my money, and if I don't get it, I will incur major losses. No one in customer service at Citi has been helpful. I've wasted hours with them. I'd happily work with them to validate myself or where my funds came from, but instead, I get no feedback, and no answers. A terrible banking experience that if not resolved immediately will lead to much bigger issues.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.

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 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/year> XXXX I came into cash a check from a lawsuit that involved my minor children and I was offered an opportunity to open an account. I explained id just like to cash the check because I would like my funds same day. They ensure me I could just make minimum deposit to open checking account and I asked was it an opportunity account or a regular account. I had to talk to several people in the bank to cash a check that had supporting documents from law firm and it was a business day they could have called bank. It was definitely a case of discrimination. they offered right away to just close the account they convinced me to open because I'm not a part of the demographic they usually serve. Very unfortunate event.

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