vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2024-03-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank account was wrongfully closed multiple times over the past 3 years, due to an unexpected encounter with a Cyberstalker who sent me multiple photoshoped and real counterfeit checks, in which led to my bank account having to be closed and reopened 3 times. Since information was wrongfully stolen and my account overdrafted the bank made a business decision to terminate my checking and savings account. This causing hardship in my daily life. This individual called the bank pretending to be me on multiple occasions to authorize large withdrawals. The amount lost was over $ XXXX over 3 years.

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 2024-03-01 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-03-01 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: FIRST PORTFOLIO SERVICING INC
State: KY

Complaint narrative:
On XX/XX/year> there where 3 charges on my card that I did not make. They where all for prepaid cards. 2 with T-Mobile for {$43.00} and 1 with XXXX XXXX XXXX for {$42.00}. All for prepaid phone cards. I reported this to my credit card company and they sent me a letter back holding me responsible. This is not the 1st time I've had faulty charges with this company. The first time was about a year ago and the merchant was XXXX XXXX. I had to fight tooth and nail to get this claim covered because like on this one they held me responsible! The reason they gave was that the merchandise that was bought fraudulently on this card was delivered to my address! THAT WAS A TOTAL LIE! I did the leg work and found out the address the merchandise got delivered to from a XXXX XXXX employee was an address in XXXX! I live in XXXX! These people do not care about their clients and look at us as nothing more than an income! They do no leg work when you file a claim and immediately deny the claim and tell me the only way to open the case back up is with overwhelming evidence that I did not make this purchase! Please tell me what kind of evidence a person could have when information is stolen and fraudulent purchases are made? This is totally ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted TransUnion on several occassions due to an issue with my credit score decreasing multiple times within a one month for the same issue. This is an erroneous practice that TransUnion continues to due, which has a negative impact on my overall credit score. As a consumer who is trying to correct my credit profile by paying my bills on time and keeping my utilization low this is very disheartening. On XX/XX/year> TransUnion deducted XXXX points after I DECREASED utilization and DECREASED account balances. After speaking to several customer service representatives no one could explain why my score decreased from XXXX to a XXXX, with low credit card utilization and low balances this makes no sense. 

TransUnion is aware due to inquiries that I am applying for a mortagage which is seems to be why these unnecessary drops in my score are happening. It would be greatly appreciated if TransUnion could place the decreased points back on my report from my FICO 8, 5, 4, 2.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
I paid the debt and for one they never emailed me a receipt. Then they keep reporting it as a charge off after I paid them. They refused to report it as paid or even delete it. It still negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have paid XXXX in overdraft fees in a month

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 2024-03-01 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to address a matter of urgent concern regarding XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that have appeared on my credit report. To my dismay, I have no prior knowledge of these accounts until they were posted on my credit report. This has come as a complete surprise to me and has caused significant distress. As someone who has been diligently working to build and maintain a positive credit history, the inclusion of these accounts without proper investigation and evidence of their validity is deeply troubling. Not only does it damage my current credit standing, but it also undermines my efforts to secure financial stability. I demand an explanation as to why these accounts are appearing on my credit report, as well as proof that they rightfully belong to me. Without this information, I am left in a precarious position with potential repercussions for my financial future.

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 2024-03-01 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: AL

Complaint narrative:
I have had numerous contacts with Equifax over misinformation on my credit report. First problem is that they have a previous address located in XXXX, Nevada I am a XXXX Veteran of the United States XXXX XXXX and has never been stationed, visited, lived or resided in the state of Nevada or its city of XXXX. They have never fixed that for years. Currently claiming it was reported to them on XX/XX/year>. They keep claiming the reporting date. And this has been going on over a decade or more. I have given them proof every which way I could. I also sent them a copy of my Driver 's license and my social security card. And they still haven't corrected this information. They are also listing an account with XXXX XXXX XXXX XXXX That is over nine years old. 2 years past the 7 year limit in some states and 4 years passed the limit and other states. I applied for something recently. And they refused to give a report to the potential Grantor. As I said earlier I'm a XXXX veteran. And I'm trying to straighten out something with Equifax. That's been going on for decades. And it's really sad and it's no real reason for it other than it seems to be personal retaliationby Equifax concerning my justified request for corrections. And why is that I have no idea. It is in bad faith and affecting physically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
On my credit report there is {$1500.00} in debt coming from Transfinancial Company. The bill supposedly came from my XXXX XXXX hospital visit XX/XX/2021. I called Transfinancial multiple times trying to get a phone number to XXXX XXXX XXXX which doesn't seem to exist. The hospital billing who I also called doesn't have a bill from then. Transfinancial told me no it's the XXXX XXXX billing I called two different companies including the XXXX who seen him that date and their billing department they do not have a bill. The bill even if it was paid late by insurance shouldn't be on me, hurting my credit. And if it was some bill there. They should be able to show me the bill and a number to contact where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have mortgage account with Roundpoint Mortgage and have an escrow account setup with them where they collect monthly payments for insurance premiums and once a year they are supposed to disburse payment to insurance company from the escrow account. My insurance is through XXXX XXXX XXXX XXXX. I also have credit card on file with XXXX XXXX XXXX XXXX ( XXXX ). I noticed while Roundpoint was collected monthly escrow payments through EFT from my checking account, XXXX was also charging monthly premiums on my credit card. I also noticed on XX/XX/2023 Roundpoint had mailed a check to XXXX in the amount of XXXX. When I found in XX/XX/2023 that I called XXXX and spoke to my account rep XXXX XXXX ( XXXX XXXX XXXX ). She responded back saying check was never received. I had to then go back and forth with Roundpoint and XXXX numerous times and till date this has not been resolved. During one of my calls with Roundpoint on XX/XX/XXXX I spoke to XXXX who after putting me on hold verified check was not clear and said she is going to wire the funds again to insurance and upon receupt insurance should refund me seeing a duplicate payment. She insisted the can issue the refund directly to me. She also said based on her conversation with XXXX  rep I should be getting refund within 7-10 days as wire would be received immediately. After couple of weeks when I contacted XXXX at XXXX again I was advised they never got any wire from Roundoint. I had to call in again on XX/XX/XXXX and after long hold the agent at roundpoint told me they had not wired ( agent could not advise why I was told they wired earlier ) as XXXX  can't receive wires and that they will have to mail the check. Agent spoke to someone named XXXX at XXXX who apparently gave them different amount of XXXX. I was aphalled at this, how did the come up with this amount because it was paid in full XXXX while I was also paying monthly premiums every month to XXXX  on my credit card. I relayed this to XXXX to investigate. Today ( XX/XX/XXXX ) she responded saying they are setup to recceive wire and she checked in the backoffice with two XXXX and none of them had that conversation. I have been going back and forth with insurance broker and mortagor for over 4 months now with no resolution. Both parties should have a system to automatically detect inconsistencies ( duplicate payment and so on ) and as a consumer I should have to find manually and chase two parties like this specially when there is an escrow fund involved. Please help by resolving this matter and getting me refund for exta payment paid in XX/XX/2023.

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 2024-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MN

Complaint narrative:
Morning, XXXX XXXX sold our account to Selene Finance, the worst company we have ever dealt with. Long story short, we were behind XXXX payments, called to pay and they wanted XXXX payments even though next month not due yet. This went on, we had {$9000.00} dollars to give, they refused, house went to pre-forclosure, had to file bankruptcy XXXX to keep house. NOW they have a memo when we sign into our account that our payment has increased by {$100.00} with no explanation!! It just went up XX/XX/2023! We will NO LONGER deal or contact them as right hand doesn't know what left hand doing, plus they refuse to put a supervisor on the line. MANY, MANY complaints on XXXX and their website. Please help, we are strapped and now attorney needs to redo our payment plan, we just can't do it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Originally had 2 charges {$1700.00} from ELEVATE RECOVERIES LLC Last reported XX/XX/XXXX {$1700.00} Open balance XXXX XXXX XXXX Original XXXX XXXX was removed because it was False, tried to contact and company wanted my social dob and a credit card to get my report to dispute. I had my XXXX  records pulled and I have not been to a XXXX  or XXXX  XXXX  since XXXX. I would like this removed asap thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: TX

Complaint narrative:
I had an account with Netspend for several years with no issue whatsoever. They eventually offered me a secondary card through XXXX which I applied for and received, again with no issue. I had the open account for a few months but had never deposited funds towards yet. I ended up transferring funds from my XXXX account into the account i/a/o approx {$360.00}. I made 1 purchase for {$150.00} or so and had attempted another which was declined. I received notification from Netspend that my account had been locked for some reason but which was not explained. I had {$9.00} left available in the account and {$210.00} from the declined transaction which was still pending. For no obvious reason, Netspend decided I was now no longer eligible for an account with them. I was calling several times a day in the attempt to resolve whatever the issue was and also regain access to my funds. It took many calls to even get any kind of explanation and I was told it was because the transaction I attempted was prohibited by them. Im not sure how I was supposed to know the purchase or merchant was prohibited, because it was never specified or explained in advance. I was not trying to buy anything illegal or questionable in any way and nowhere on their site or XXXX XXXX XXXX XXXX does it state which merchants are prohibited. It also doesnt specify anywhere that simply attempting a transaction with a prohibited merchant will make them close your account immediately. They closed both my original account and the XXXX account. I was sent a check for {$9.00}, which wasnt even the full balance of my account, as well as a check for {$79.00} which was the balance of the first initial account. It took another 2 weeks to get a 3rd check for the remaining {$210.00} I was owed. I brought the checks to XXXX to cash them and couldnt because they wouldnt said the checks were probably not even good. So I'm stuck with XXXX checks I cant even cash to get my funds. Since then, Netspend has sent me 2 account offers with debit cards. One account offer was for an " upgraded '' account through Netspend and the 2nd was another card through XXXX. I was unable to actually activate either card when I attempted, and would get directed to their customer service and told again that I was no longer eligible for an account. Then why send the damned cards in the first place? I didn't do anything wrong to even warrant that determination and they refuse to reconsider the information based on the truth. Im stuck with 3 checks from them that I cant cash and they refuse to acknowledge they made a bad decision and reconsider the situation.

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