vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: NV

Complaint narrative:
As of a recent date, I noticed a strenuous list of incorrect Inquiries on my credit I have no knowledge of I would like the following removed/corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a dispute with the credit bureaus, regarding in accurate information which included addresses that do not belong to me, and accounts that do not belong to me. I asked him to do an investigation into it and please provide me with the results. They failed to do so. They violating several laws, but not following federal policies and procedures of demand that the investigation should be done and information be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute with the credit bureaus, regarding in accurate information which included addresses that do not belong to me, and accounts that do not belong to me. I asked him to do an investigation into it and please provide me with the results. They failed to do so. They violating several laws, but not following federal policies and procedures of demand that the investigation should be done and information be removed from my 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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check 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 non-monetary relief
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
XXXX XXXX is furnishing deceptive information to TransUnion XXXX XXXX. The account is reporting inaccurately and this information is damaging my consumer report and hindering me from getting credit. TransUnion and XXXX does not have my written or expressed consent to report my private financial information 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
General Information Incident Type Identity Theft Tracking Number XXXX Report Date XX/XX/XXXX XXXX XXXX SSN XXXX Reporting Person Information Name XXXX XXXX , XXXX Home Address XXXX XXXX XXXX, XXXX , CA XXXX, US XXXX Email XXXX Work Phone XXXX Race XXXX Gender XXXX Date of Birth XX/XX/XXXX Driver License No XXXX Licensing State CA Incident Information Incident Location XXXX XXXX XXXX , XXXX, CA XXXX Enter the date/time your stolen identity was first used. XX/XX/XXXX XXXX XXXX Enter the date/time your stolen identity was last used. XX/XX/XXXX XXXX XXXX Date Discovered XX/XX/XXXX Location Type Residence - Single Family Amount Lost? XXXX Type of identity Theft Credit/ Debit card or Number Incident Description I have received a credit card from XXXX XXXX and it was in the mailbox that someone opened and stole the credit card along with my SSN information. I was notified by bank of this incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have several credit cards issued by Synchrony Bank. Sychrony has reduced my credit limit on now a 2nd card and it is sending my credit score plummeting because it shows I am using 96 % credit use on the card. I did not receive any notification of this change and/or why. When I called synchrony, they gave me reasons written in the report, but none of it is correct information for me. 

Between XX/XX/XXXX and XX/XX/XXXX - Sychrony decreased my Amazon credit from {$580.00} to {$230.00}. Which put me at 93 % usage On XX/XX/XXXX, Synchrony decreased my credit limit from {$10000.00} to {$2800.00}, which put me at 96 % usage This is a domino affect and I am afraid that they will soon decrease limits on my other Synchrony accounts but I haven't been notified as to why.

My credit score it good, not late payments, in good standing, and my report is frozen so I don't even know how they could check my credit to come up with the reasons why they decreased my limit

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 2024-01-31 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: VA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 



XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-01-31 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: VA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I have not had a resolution to my complaint about my account from Mohela about my account balance or refund! I have called several times and send several emails. I received a response today on my Mohela account and here stating that my issue was resolved and here that my claim has been closed. Not resolved and no timeframe was given as to when I will receive a real answer. Anytime you call the customer service number you are given several different answers. I would like a real answer! How long can you possible need to get an answer? I have been on this since XX/XX/2023!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Under section 809 ( b ) of the Fair Debt Collection Practices Act, upon written consumer request you are required to provide proof and verification of any debt being collected. Therefore, I hereby formally request that you provide the following within 20 days : 1. A copy of the original Bill of Sale or Assignment document legally transferring this specific account and amount from the original creditor XXXX XXXX to your collections company. 

2. Proof that you are licensed to collect debts in Texas.

3. A copy of your complete records on this alleged debt, including the chain of title documenting proper transfer of this debt 's ownership from the original creditor to any subsequent owners, culminating in your company. CERTIFIED COPIES ONLY in order to ensure no alterations or modifications to original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was approved for a Chase Saphire XXXX Card on XX/XX/year>. I was specifically planning on using that card for an airline ticket purchase for a few different reasons. 1 ) I would get 5x points using that card through the Chase portal. 2 ) The amount of the ticket would go towards my first three-month bonus total. 

I called Customer Service upon my approval and asked how long it would take to get my card in the mail. I was told that they would put a rush on it, and it would be delivered via XXXX in 1-2 business days since I was a Chase " Private Client. '' Long story short, the card never arrived. After day 5, I called Customer Service, and they informed me that the agent I spoke with never put the card on a rush. They apologized 3-4 times and assured me they would send out another card and I would have it next day via XXXX. Once again, the card never showed up. I called towards the end of day two as I was still waiting to book my flight. The Customer Service agent tracked the card and said it was delayed and won't show up for another 3 calender days. 

At that point, I had to cut my losses and book my flight without the Saphire Card I had intended to use. I booked the flight for {$200.00} more than the cost I would have had to pay if the CS agent hadn't made an error and mailed the card out like she had originally stated. I also lost out on the 5X bonus points and the money towards my first three-month bonus spend. 

I spoke with CS and was transferred to a manager. I stated all the facts and asked them to make me whole since this was their error. Both reps told me there is nothing they can do and refused to give me any compensation. 

I'm looking for appropriate compensation for the financial loss of Chase 's error on not sending the card as indicated to me on my initial phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Beginning XX/XX/year> I applied for a home equity line with Bank of America. 
Sent all pertinent documents. 
On XXXX XXXX I received an appraisal for my home for {$470.00}. 
On. XX/XX/XXXX I received a letter stating sorry we can not approve your home equity line. 
I have a Bank of America credit card with a {$23000.00} credit limit I have been a customer with Bank of America for 18 years. 
I called the bank requesting an explanation for refusal of credit and was toldI would have to have assets in the amount of {$1.00} XXXX. 
If I would have XXXX XXXX  in assets I would not need a home equity line. 
I am XXXX years old, pay my bills on time, have excellent credit. 
This is insulting.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
In XXXX of 2022 I changed my Home Insurance company. A check for {$2100.00} was sent to Freedom Mortgage to be applied to my Escrow. 

Freedom Mortgage received the check and never applied the check to my Escrow. When reviewing my statement it is also stated that it is not applied.

Due to not applying the check to my account they have increased my mortgage to cover the Escrow shortage.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX, 2024, I was trying to rent an apartment Equifax is refusing to verify my identity and returning a Fraud comment to the apartments, who then refused to rent do me. 

I called Equifax and they told me that there was a XXXX  required after my name There is no XXXX in my family and I have never used XXXX on anything ... nor is it my legal name. 

I have no idea where the got that information and why they are reporting that it is on my account. It is not listed in my personal information on my Equifax account I called and spent some time trying to get them to remove it ... and asked how they could actually put it on my account without my permission. They would not answer. 

They want me to prove that there is no XXXX on my name by sending them my ID. I told them they needed to prove to me why they have put that on my name without permission. They would not. Nor would the provide a link for me to upload information ... which i don't really want to do in the first place. 

They said I would have to mail proof of who I am to them to for them to remove it. I do NOT want to send my ID in mail, nor do I feel the onus to fix this is on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Applied Data Finance, LLC
State: TN

Complaint narrative:
XXXX XXXX Received a bill from debt collector XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX I owe {$3700.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This has been paid in full photo copy 's stating as well. 
Further more. I have no income now due to health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Torriere Holdings INC
State: TN

Complaint narrative:
XXXX XXXX Received a bill from debt collector Spire recovery solutions XXXX Www. Spirererecoverysolution. Com Stating I owe {$3700.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This has been paid in full photo copy 's stating as well. 
Further more. I have no income now due to health issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 
Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$79.00} Amount to be rebilled : {$79.00} The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$51.00} had been charged back by the merchant, yet they continue to demand payment from me.

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$800.00}

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
There are several accounts that were fraudulently opened in my name after an identity theft incident. I cooperated with the banks in question as well as the authorities in resolution to this problem. Now I'm having trouble opening any bank accounts and am being discriminated against in obtaining funding for my business because of it. ive tried to go through every possible proper channel to remedy this situation, to no avail. and now not only was i the victim of identity theft which has destroyed my credit I am the one that it looks like done this actual act, when i did not. 
According to US Code 1681i there was NO PERMISSABLE PURPOSE and i would kindly like it stricken from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I just sent a complaint 6 days ago due to this collection company harassing me and violating my credit report on a monthly basis with inaccurate information and duplicates. They stated they would close it but instead added a new one onto my report, also, it shows 2 collections for the same exact thing. It's fraudulent. I do not owe any debt to this company. They have violated FCRA and SCRA and FDCPA on multiple instances.

Company response to consumer: Closed with explanation