vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Account hacked, account closed by our requests, never received a bill, statements show {$0.00} balance as it should, credit report show balance 2 years past due, was told several times in the beginning, from local branch it was being taken care of that it takes time, same as costumer service, no one know what's going on now and will not resolve it, I have statements they have on file and balance is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-03-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I made various attempts to submit proof to remove inaccurate information from my credit reports. Im attaching all documentation submitted to the bureau. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian has several fraudulent and unauthorized inquiries on my credit report. Ive made several unsuccessful attempts to get the items removed. The inquiries are : XXXX XXXX XXXX XXXX XXXX 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 2024-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
I purchased a vehicle from XXXX XXXX XX/XX/XXXX. They are located in XXXX  and I was in XXXX XXXX XXXX. We did a video call to see the vehicle and the sales person assured us it was a good running truck XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me I had to sign the loan docs before I took possession of the vehicle. The vehicle was delivered and it broke down 1 mile after getting it off the delivery truck. I called XXXX XXXX went back and forth with them for a week and they refused to do anything about it. I had use the warranty I purchased for an additional {$3500.00} and it cost me {$1500.00} out of pocket after putting down XXXX on it. Once I got it home after being repaired, the oil started leaking, the truck overheats and there is a knock in the engine. The truck has never been on the road or even registered in XXXX XXXX  ( Ive put 10 miles on the vehicle & have the proof ) I am at a loss. I can not continue to make payments on something that has never worked and it makes me sick my credit is going to suffer. I could've refinanced, but it's going to cost another XXXX or more to fix the current issue with the vehicle with the garbage warranty I purchased. Consumer Portfolio Services is the bank that holds the loan. I feel like I was totally taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. APPLE CARD/GS BANK XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of nay information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM*******

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 2024-03-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I opened an XXXX XXXX XXXX XXXX XXXX card services in early XX/XX/XXXX. I XXXX XXXX XXXX Was never late on a payment ever never went past my maximum credit limit of {$300.00} I had a fall paid as agreed on all three credit bureau/agencies for about 18 months. Now I got XXXX on XX/XX/XXXX at the time I do believe I owed XXXX right around {$70.00} is what my balance shouldve been. I disputed my XXXX account with Experian XXXX and I dont believe I disputed it with XXXX just as of yet, the reason being is I was not disputing the XXXX account saying it was fraudulent. It was my account I opened the account and early XX/XX/XXXX and like I said always paid as agreed never went even close to my {$300.00} credit limit most of the time Very low balance anyway was held without bail on XXXX XX/XX/XXXX while I was sitting at the XXXX XXXX detention center got my wallet and my tablet from out of the vehicle that the XXXX XXXX Police Department towed to their impound lot, and then auctioned off the vehicle Right around XXXX late XXXX I discovered all my accounts have been compromised. I let my case manager XXXX XXXX know and she allowed me to make as many phone calls as she could be in as busy as she was would be the only case manager for a lot of inmates, my point for this complaint is and I already contacted XXXX XXXX card service bank. I did not want my indigo account to just be disputed and took an off of my credit report all together I wanted the truth to be reported and that was for over 80 months I paid as agreed, and once I got incarcerated, I was a victim of identity, theft and unauthorized use of my credit card or my credit card and all my bank cards were used. I filed a police report online. I have it all document ties so I will be sending documents to indigo XXXX XXXX, XXXX card services And I will be sending copies to all three major credit agencies also because under the credit report and act a credit account that was rifle mine and was being paid on on time every month for over 18 months actually help my credit so I feel like them keeping the collections on my credit report hurt me and my credit score and them taken the indigo account off. My credit report hurt me even more because it wouldve showed nothing but on time payments for over 18 months right before I got detained and incarcerated and was offering me there upgraded card which I cant remember what its called in the rewards or something like that Ill submit the documents I have now, but I also will be submitting more documents via US mail to iXXXX XXXX card services, Bank, and all three credit credit agencies

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report On two different occasions SYNCHRONY BANK XX/XX/2024 XX/XX/2024 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 2024-03-10 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: SC

Complaint narrative:
I just recently looked at my credit report from XXXX XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b.

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 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I reached out to Specialized Loan Servicing for assistance with my mortgage after encountering payment issues. However, each person I spoke to provided inconsistent information, resulting in significant delays in payments. Despite multiple attempts to establish a repayment plan, I received inaccurate guidance, ultimately leading to the foreclosure of my property. In order to salvage the equity I had built, I was compelled to sell my home. 

Now, I am eagerly awaiting a paid-in-full letter from Specialized Loan Servicing and for them to update my credit records. Despite my efforts, when I disputed the account through the credit reporting agency, they confirmed that the balance remains outstanding. Conversely, Specialized Loan Servicing insists that the account has been paid in full. They have informed me that it will take up to 30 days from the payment date to generate the required documentation. 

Presently, I find myself homeless and in dire need of this matter being resolved. It is imperative that this account reflects as paid in full on my credit report, along with the provision of a letter as evidence. This documentation is crucial to cease the continuous denial of my applications for apartments, as they erroneously indicate that I still owe this debt.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Around the end of XXXX I had randomly wondered what my credit score was since I had not looked in some time. When running my credit report it brought up an odd issue of collections for {$1200.00}. When I proceeded to look into the debt owed I quickly noticed it was not mine and someone had fraudulently opened up this card in my name without me knowing until it was too late. I contacted Citibank which then transferred me to XXXX XXXX whom were forceful in being adamant the debt was mine and I owed them. I requested proof which they sent thinking was proof when in fact all it does is confirm it's not mine. There is an address located in XXXX, SC attached as well as a XXXX XXXX XXXX XXXX XXXX, SD and the transactions are for things I don't even own ( XXXX XXXX, XXXX, prepaid cards ). Since then I have established police reports here in XXXX XXXX ( where I actually live ), XXXX XXXX, SD and after numerous calls to XXXX their police force seems inept and failed to ever return my calls. Ever since then I've been slowly filling out the recovery plan through identitytheft.gov which has led me to this point now. XXXX XXXX are a bunch of bullies and I will not lie down without a fight.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2024, I noticed suspicious unauthorized activity involving my checking and retirement accounts. I promptly informed both Merrill and Bank of America. After numerous calls ( over 10 hours ) since the incident, Merrill still refuses to release the funds in the checking account ( {$5100.00} ) because they have a restriction on that checking account. A savings account of {$.00} also has a similar restriction. 
On XX/XX/2024, again via numerous calls, Bank of America told me to go to an onsite location in order to have the funds in the restricted checking account transferred to a checking account with no such restrictions. I went that same day and the onsite representative spent about an hour and half on 4 phone calls. The end result was the same. Merrill wealth refusing to remove the restriction or allow me to move the funds to the desired account ( or anything else ). Merrill wealth has also refused to provide any timeline, information, or direct dial regarding this matter. 
During the period of XXXX XXXX XXXX  and onward, I have spoken to other banks and custodians who stated they would have resolved the matter in a week or less because I promptly notified the bank of the suspicious activity ( while it was processing ).

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 2024-03-10 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-10 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: FL

Complaint narrative:
Experian violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their last response was on XXXXXX/XX/year> where they stated everything was complete and accurate can you please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
To consumer financial protection bureau ( CFPB ) From XXXX XXXX XX/XX/year> Re final demand for removal of inaccurate collection account and substantial compensation This serves as my final and unyielding demand for the immediate removal of the erroneous collection account associated with rent recovery solution from my credit report The continued process of this demonstrably false information constitutes a egregious violation of my rights and a blatant disregard for both the law and ethical business practices. 
The following violations are undeniable : 1.Absence of private of contact : no contractual agreement exists between me and rent recovery solution rendering their claims to any debt utterly baseless. This fundamental legal principal make the inclusion of this account on my credit report a blatant act of fraud and a direct attack on my financial well-being. 
XXXX violation the presence of this inaccurate account flagrantly contradicts the following practices of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and. ( XXXX ) consumer reporting agencies obligation to maintain accurate complete and up to date credit reporting information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rent recovery solution obligation to refrain from furnishing inaccurate information to the credit reporting agencies XXXX XXXX rent recovery solution potential liability for significant damage and penalties from noncompliance with the FCRA XXXX additional violations the false account further breaches the following legal status XXXX XXXX. XXXX these provisions mandate the credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information Fair debt collection agency ( FDCPA ) and XXXX fair debt collection practices act ( XXXX ) these acts prohibit the sale or purchase of debt known or suspected to be illegitimate Federal law XXXX XXXX. XXXX Mail fraud and XXXX XXXX. XXXX XXXX be applicable to this case due to potential for deception and fraud. 
My demands are clear and nonnegotiable -Immediate investigation -account removal -substantial compensation -written acknowledgment and guarantee * admitting their error in reporting false account * guaranteeing they will cease all attempts to collect * providing a detailed explanation of the steps they will take to ensure error are never repeated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I received a letter from my city stating that we had missed a tax payment that was due XXXX XXXXXX/XX/XXXX. The letter stated that if this payment isnt made by XX/XX/XXXX a lean would be put on my house. Upon receiving this letter I reviewed my mortgage statements to find that money had been taken out of my escrow on XX/XX/XXXX and had been paid to City Tax. I immediately contacted United Wholesale Mortgage ( my mortgage company ) to inform them of the situation and requesting information about where my money had gone. They informed me that they were creating a request to have this looked into but that they did not know where the money had gone. The next day I contacted the city to confirm that they had not received anything from my mortgage company but they would let me know as soon as possible if they receive any updates. I proceeded to follow up with UWM over the course of the month requesting updates, each time being told no progress had been made but the request had been escalated and I should hear back in roughly 2 days. I never heard back. I never received any updates. Until XX/XX/XXXX when I received an automated notification that a tax payment had been made out of my escrow causing my escrow to go negative. However there are no documents listed in my account stating that this payment has been made. No one informed me that a payment was going to be made or who that payment was being made to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XX/XX/2021 multiple charges totaling XXXX plus interest and fees for a grand total of XXXX I have made multiple calls to the credit card company and also the collection agencies involved with no results. These charges were made WITHOUT my permission as I was in another place at the time of all these purchases Not my charges!

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