vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party.

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party.

The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party.

The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option.

Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX 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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I XXXX have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15 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:
I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I XXXX have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: RI

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 and I am reporting misleading information. There is no filing this complaint for falsely 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
A debt popped up on my credit unbeknownst to me. ( I am in the process of getting an auto loan ) I called and apparently they had the wrong address. It is a XXXX party collecting for an old cable bill. I had moved out of state and a small balance was left over. In order to get the loan I needed proof the debt was paid. They had the wrong forwarding address. I called them to pay. I told them the situation and that I needed a receipt so my loan can be approved. She stated on the XXXX of XX/XX/2023 that they would email me the receipt in XXXX hours. The receipt never came. I called them Monday the XXXX of XXXX ( Im in Hawaii so my time is different. They are closed when I get off work ). The XXXX XXXX XXXX said it would be XXXX more days for the receipt. I requested a supervisor they said it would be there by today. I spent well over a hour and a half Monday trying to get a receipt. Called again Tuesday XXXX of XXXX. I have been on the phone literally half of the day. I have spoken to a dozen different people all told and received a dozen different answers. Anywhere from 1 day to XXXX days to XXXX days. I still do not have the receipt. It shocks the conscience. XXXX with XXXX today around XXXX pm Hawaii time. Requested a supervisor after yet another time frame for the receipt, he put me on hold for XXXX minutes then came back and said there wasnt a supervisor available, they had all left for the day. I called back at XXXX XXXX  and was able to get a supervisor. Still have yet to get a receipt. They acknowledge the debt is paid. For whatever reason Id have better luck getting into XXXX XXXX. It has to be a systematic business model to not give receipts. Im not exaggerating when I say its been XXXX hours of wasted time on my end. 
The company is XXXX XXXX XXXX XXXX collecting for XXXX cable. Their number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX XXXX tax collector charging scam fees to submit tax bills which were already submitted by homeowner

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 2023-11-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/27 cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX Owed : {$4300.00}.

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 2023-11-15 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: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received an email about a {$300.00} ATM withdrawal which occurred on XX/XX/XXXX at XXXXXXXX XXXX  at XXXX XXXX XXXX CA from ATM XXXX. 

As soon as I saw this email come in while I was at work in XXXX, CA in a meeting, I immediately logged in to my account to see what was going on. I noticed another ATM XXXX withdrawal in the amount of {$700.00}. I then turned off my card on XX/XX/XXXX at XXXX XXXX 

On XX/XX/XXXX at XXXX XXXX  I received an email that my ATM card was declined from XXXX XXXX XXXX XXXX CA for the amount of {$480.00}. 

On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to discuss the situation and the agent helped me file a dispute for the two ATM charges. I was on the phone with the agent for XXXX minutes. I informed the agent, I had my physical card which was going to expire by the end of XXXX, but that I did see my new card was in the mail. I could see this through USPS informed Delivery which emails pictures of envelopes you will be receiving in the mail. I informed them I had not yet picked up the envelope from my mailbox. When I got home on XX/XX/XXXX around XXXX XXXX I checked the mailbox and this new card envelope was never inserted into my mailbox. 

After submitting the claim, I waited for the bank to resolve the issue but had not heard anything and called them to get an update. The agent informed me the dispute was denied and that I would receive decision information in the mail. They did not have much additional information to provide. This letter came in the mail today XX/XX/XXXX and this is why I am now submitting this claim with the CFPB. 

I have banked with WellFargo since XXXX. This is one of three disputes I have ever submitted and my banking history should provide enough reason to prove these were not my withdrawals. If I had not done my due diligence in monitoring my personal email, not only would a charge of {$480.00} occurred from XXXX XXXX, who knows how much else would have been stolen. Wells fargo should take responsibility for not doing their due diligence and approve the dispute and return the {$1000.00} to my account. Especially, considering these withdrawals were taken from Wells Fargo ATMs.

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 2023-11-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/27 cc showing a balance increase of XXXX dollars causing my credit sore to drop by XXXX from that increase alone. I'm contacting all three credit companies to advise that this is an incorrect balance reflection and an unreasonable drop due to that.

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 2023-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
My mortgage loan XXXX was transferred to Specialized Loan Servicing ( XXXX ) earlier in the 2023 year. I shortly thereafter received a letter that XXXX needed to verify the condo insurance. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I provided XXXX by email to XXXX with proof of insurance in a " certificate of property insurance '' with XXXX XXXX. Additionally, I placed several calls to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX/XXXX to confirm they had received the insurance policy certificate. XXXX has acted in bad faith and wilfully ignored my condo insurance proof. They have notified me in a letter dated XX/XX/XXXX that XXXX purchased insurance on the condo and are charging me {$870.00}. This forced policy was backdated to XX/XX/XXXX, a date far prior than they requested proof of insurance from me. When I spoke with the call center every time the representative said my XXXX family insurance information was received and I had nothing further to do. None of the call center representatives said that XXXX had force purchased another insurance policy without my permission or consent. This was handled improperly by XXXX and I am demanding the refund the {$870.00} policy that was not needed or requested.

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 2023-11-15 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: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Well Fargo fraud department is getting completely ridiculous after XXXX months. I can never get hold of My case workers, no extensions left on voice-mails and ger excuse, after excuse. I was told Friday to wait until Tuesday to get notified by some XXXX? Don't know a XXXX, I don't want XXXX on any case. Then told some XXXX called me at XXXX XX/XX/XXXX, left voice-mails but nobody can find her, what the heck wells fargo. This company still owes me refunds in unauthorized payments from XXXX XXXX to present. See no change, I never opened any accounts with company

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 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : Urgent : Assistance Needed with Funds Held for 180 Days Dear PayPal Support Team, I hope this message finds you well.and I am writing to bring to your attention an issue I am currently experiencing with my PayPal account. 
It has come to my attention that a certain amount of funds in my account has been placed on hold for the past 180 days. I understand that this measure is part of PayPal 's security protocols ; however, I am now seeking assistance in releasing these funds as the hold period has elapsed.

Company response to consumer: Closed with explanation