vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX  XXXX XXXX, 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these inquiries that am complaining.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
My mother had a mortgage loan that she was paying back and she had my name down for if something should happen to her it would still be able to work out something to try and get ot paid well she passed away in 2019 and I was left in the blind didn't know anything about what was going on other than this has to be paid or else... Well nobody told me that I could have gotten payments lowered or got a modification on it or anything so we ended up losing it to foreclosure and my credit report or score was all messed up behind something that wasn't mine from the beginning know I'm suffering and I don't think it's right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX  Ally Bank called to inform me that someone was trying to wire transfer money from my savings account to an account in the XXXX XXXX XXXX XXXX. When I told them that I did not know this person or authorize the transfer they transferred the money at XXXX XXXX  to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ACCT XXXX NAME : XXXX XXXX ID XXXX XXXX XXXX. The amount stolen from me was {$11000.00}.

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 monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I keep getting a BLNK error saying I need to contact equifax.  They say to send my information to verify it's me. Then nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an Amex eGift Card and I can't use it. I've tried in countless vendors in person and online as well. I resorted to using this on XXXX, and can't even use it to purchase things of less than {$10.00}. 

There are hundreds of thousands of people facing the same issue, as can be seen when you simply search this on XXXX. This is ridiculous, and unbelievably frustrating I can't believe how much time I've spent just trying to use this gift card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
After my roommate at XXXXXXXX XXXX XXXXXXXX XXXX  in XXXX, XXXX  created a request to remove me from the lease and live there alone, I responded with my signature and date of moving out, and proceeded to move out of the apartment. After leaving town and arriving in XXXX, I was told over the phone that I was still liable for the lease since the office 's printer wasn't working at the time of my ( former ) roommate 's request to remove me from the lease. Thus, they did not get a signature at the time the request was initiated in their system. Not sure how one can respond and sign off of a removal request that wasn't verified with a signature at the time of the initiating party 's request. If your printer isn't working, there are plenty of e-signature options to compensate for your equipment failure... they were simply lazy, irresponsible, and refused to take any accountability subsequently. XXXX 's employees and property assistants knew that the situation was unjust and voiced such opinions to me in my many attempts to fix the outcome. 

After getting this news, I returned to town to sort this out. I then learned that my former roommate decided to break the lease instead of staying there as they had originally planned. When I visited the leasing office, I had to request permission to enter the apartment and any facilities, and was to return my key after I was done with my visit even though I was " still on the lease. '' I am now in collections for a 2 months penalty for " breaking the lease, '' even though I never signed ANYTHING to break a lease. The only legal document I signed and dated was a roommate removal request, which I completed as the respondent. They then filled the apartment with new tenants the same month. 

Unethical, unknowledgeable, opaque, rude, ignorant ... words can not describe how unreasonably bad of an experience I had with this apartment community management led by XXXX XXXX at the XXXXXXXX XXXX XXXXXXXX. 

My unreasonable debt that has been wrongly passed on to XXXX - XXXXXXXX XXXX XXXX XXXX who harasses me by mail on a weekly basis via phone calls, voicemails, mail. I have asked for no further contact on multiple occasions and blocked multiple phone lines of theirs. My request is continuously ignored and I am still getting calls roughly every other day

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX XXXX, 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 accounts. It would mean a lot to me if you could assist in removing the following 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing ALL THE PAST AND PRESENT NEGATIVE REPORTS against me published by this credit bureau. THEY NEED A FAIR INVESTIGATION AND NOT JUST LISTENING TO THOSE BANKS THAT I DID NOT PAY MY DUES. IT MUST HAVE A REASON WHY IS THAT AND NEED TO TAKE THAT INTO CONSIDERATION. I told to the credit bureau last year that all the negative reporting against me starting the year of XXXX up to the present time had/have been resulted from gross fraud. No XXXX went to my pocket at all. I have all the evidences and instructions on how the scammer who used me to get access of the loan money from those banks. Please see attachment regarding the Police Report that I obtained. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Also, the fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

Therefore, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. Please see attached. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the Feds in XXXX XXXX, California whose handling my fraud case currently. 

PLEASE STOP ENTERTAINING THOSE DEBT COLLECTORS AND BANKS WHO MADE DEROGATORY REMARKS ABOUT ME. THIS IS NOT FAIR AT ALL. IT IS VERY DEMEANING. OTHERWISE, I MAY HAVE TO TAKE LEGAL ACTION ON YOU.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing ALL THE PAST AND PRESENT NEGATIVE REPORTS against me published by this credit bureau. THEY NEED A FAIR INVESTIGATION AND NOT JUST LISTENING TO THOSE BANKS THAT I DID NOT PAY MY DUES. IT MUST HAVE A REASON WHY IS THAT AND NEED TO TAKE THAT INTO CONSIDERATION. I told to the credit bureau last year that all the negative reporting against me starting the year of XXXX up to the present time had/have been resulted from gross fraud. No XXXX went to my pocket at all. I have all the evidences and instructions on how the scammer who used me to get access of the loan money from those banks. Please see attachment regarding the Police Report that I obtained. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Also, the fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

Therefore, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. Please see attached. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the Feds in XXXX XXXX, California whose handling my fraud case currently. 

PLEASE STOP ENTERTAINING THOSE DEBT COLLECTORS AND BANKS WHO MADE DEROGATORY REMARKS ABOUT ME. THIS IS NOT FAIR AT ALL. IT IS VERY DEMEANING. OTHERWISE, I MAY HAVE TO TAKE LEGAL ACTION ON YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Documentation with my signature and any other documentation requested but not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.

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 2024-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
Good Afternoon, I hope this email finds you well. I am reaching out today after trying to work with XXXX. 
I am trying to understand why I have negative reporting on my credit reports and I cant seem to get any support from XXXX so I am reaching out to find out if you can identify someone who can assist me. I need this negative reporting to be corrected and or retracted. I recently reviewed my credit report and noticed that there are negative marks associated with my loan, which are impacting my credit score adversely. I paid my loan roughly {$XXXX  a month until I lost my job. I believe the XXXX had a moratorium on student loan repayment due to Covid. At that time I called in to stop the automatic draft and completed a deferment application on the phone with a representative. Once I notated the adverse reporting I called in to XXXX and completed an IDR. I believe the negative information no longer accurately reflects my current responsible repayment behavior. 
Given my commitment to honoring my financial obligations and my efforts to improve my creditworthiness, I respectfully request that you consider assisting me in removing the negative information from my loan account. Doing so would greatly assist me in achieving my financial goals of repaying the {$XXXX} and would put me in a better quality of life. 
I cant seem to get any where with customer service and this misinformation in reporting is having an impact on prospective employers and lenders. I am researching going into a women owned small business endeavor and can not do so with lenders with this negative reporting. Having such opportunities would provide me the ability to satisfy the loan. I attached a copy of the activity on my account-I have having difficulty understanding why there is negative reporting as I applied for the programs that would provide me support during these times. 
Any assistance and guidance you can provide is sincerely appreciated. 
With gratitude XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It seems FCRA 605B necessitates the deletion of any incorrect entries from my credit dossier. Could you verify the paperwork? Several listed accounts exhibit inaccuracies in reporting, including discrepancies in amounts and dates.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have always made sure that payments on this account are made promptly, preventing any instances of overdue status. I'm uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b, any billing errors should be rectified.

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 2024-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account fully closed on XX/XX/XXXX, I had a balance of {$2400.00} in my account, I have recieved a check for {$570.00} but the remaining {$1800.00} check had remained unrecieved and Chase has not sent it over no matter how many times I have went to a branch to ask, it has been way longer than XXXX business days and it is still unrecieved as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
On XX/XX/2024 my father was contacted by a debt collector in regards to a debt I owed. Rather than tell my father about a debt the man XXXX told my father that this was very important and if it was him he would want his daughter to know. I returned XXXX phone call immediately. XXXX said I owed a debt to a college which I believe to be untrue. I stated as much and told him I didnt believe it was okay to make my father believe this was important and XXXX began yelling at me. XXXX yelled at me for several minutes. I was not able to ask anymore about the debt because of his aggressive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX, 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Money was taken out of my account its taking very long I dont see why they need to take this long all they need to do is check the atm footage and give me money I dont want to bank them anymore

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2024 I have submitted CFPB Complaint # XXXX against Synchrony Bank asking for the specific reasons behind three specific concerns related to closure of my long-standing Lowes credit card account XXXX 

The three ( 3 ) specific concerns raised were : 1 ) that the credit limit lowering and the account closure were just 3 days apart ; 2 ) that the account closure was done by the automated system, without human involvement / review / approval ; 3 ) that a human CSR on the line that I spoke with advised me that there's no way to reopen the account, no matter the fact that it was closed in an automated manner, without human involvement, review or approval. 

I was looking for a clear explanation of the speicifc reasons why that was done or is the case, for each of the above three ( 3 ) specific concerns that were raised. 

On XX/XX/2024, I have received a generic " write-off '' response from Synchrony Bank via CFPB, see letter attached, that merely recited the sequence of events ( dates and actions taken ) and didn't provide any specific reasons why for any of the above three ( 3 ) raised concerns. 

I am now submitting this complaint as a follow-up to CFPB complaint # XXXX, once again seeking the speicfic reasons why that was done or is the case, for each of the aforementioned three ( 3 ) specific concerns that were raised.

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