vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: VA

Complaint narrative:
I have been an XXXX XXXX Credit card member since XX/XX/22. I have a XXXX credit card limit and never missed a payment since now in XXXX as they reported. I have never had an issue with this small obligation monthly compared to my bigger debts. 
The month of XXXX was a very volatile month for me and my family, I had to pay a XXXX debt off, then a XXXX debt off in XXXX. 
Also, My personal accounts were getting excessive charges and fees that I had to investigate and get under control with my banks. My XXXX Credit card autopay must've returned back while processing while I was advised from my banks to freeze card for a periodic time. 
I did not know it would cause me to get a XXXX LATE PAYMENT Inquiry on my report, it was never my intention to not pay a XXXX $ monthly obligation. 
Once i noticed my credit report was affected in XXXX I sent a letter to XXXXXXXX XXXXXXXX Explaining it was an error and to have the inquiry removed or updated to PAID AS AGREED. 

My BANK DID TAKE THE MONTHLY PAYMENT FOR XXXX BUT IT MUST'VE REJECTED WHILE PROCESSING WHILE ADVISED TO FREEZE ACCOUNTS PERIODICALLY. 
THIS ISSUE IS EFFECTING ME AND MY FAMILY CLOSING UNDER CONTRACT AND I AM ASKING TO BE FORGAVE AND TO GET THIS REMOVED ASAP FROM MY CREDIT REPORT OR UPDATED TO PAID AS AGREED PLEASE. 

I HAVE ALSO PAID MORE OF THE BALANCE DOWN TO SHOW GOOD FAITH OF LIFE AND THINGS HAPPEN BUT MY INTENTIONS WEREN'T BAD. I NEED THIS OFF MY REPORT TO FINISH MY VA HOME LOAN PROCESS PLEASE.

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 2024-07-16 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I received a letter dated XX/XX/year> from Barclays, stating that my Banana Republic Rewards XXXX credit line had been reduced based on information it had received from XXXX XXXX. It then listed the factors on the credit report from XXXX XXXX. Of course, this information is false. 
I contacted Barclays to dispute the information listed in its letter was incorrect, and I requested a copy of the report it had received from XXXX. 

Then, I contacted XXXX. After going around in circles with them for XXXX days, I finally got a real person to speak to. I told him the reason for my call. He verified that the only negative information on my credit file with them was a late payment reported by XXXX. Nothing else. I asked him to send a copy of the credit report it had submitted to Barclays. He said it would take approximately XXXX ( XXXX ) business days. To date, I have not received such a report. 

These companies receive millions of dollars selling our personal information to the highest bidders. We get nothing in return. They want us to pay them to obtain our information. They need to be more responsible and held accountable for providing false information that adversely affects consumers ' financial status.

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 2024-07-16 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-16 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I'm a victim of identity theft, these accounts were not opened to my knowledge.

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 2024-07-16 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: FL

Complaint narrative:
I'm a victim of identity theft, these accounts were not opened to my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I'm a victim of identity theft, these accounts were not opened to my knowledge.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I 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 explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. Upon examination of my files, I discovered these late payment notations. I sent correspondence about this issue more than XXXX days ago, but have received no reply, nor has adequate validation been provided. I seek your assistance in addressing and resolving this 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 non-monetary relief
Consumer complaint received 2024-07-16 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: IA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-16 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: IA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX  that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Ordered an item on XXXX using a CHASE Freedom card. The order was delayed because an offer, for financing it with payment being broken down into multiple instalments. would not clear after many attempts. Interest on the payments would have added to the cost of the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I paid off and closed account with Victoria Secrets. The Comenity bank continued to send me bills in the amounts of {$6.00}... I called the bank and confirmed that the account was closed and asked why do they continue to send me bills, but they continued to send me bills. So now they have charged off an account in my name in the amount of XXXX on XX/XX/XXXX. I was communicating with them about the account between XX/XX/XXXX - XX/XX/XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: AZ

Complaint narrative:
My repeated efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been unsuccessful. These false records have severely disrupted my life, resulting in considerable XXXX XXXX XXXX. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.

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 2024-07-16 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: AZ

Complaint narrative:
My repeated efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been unsuccessful. These false records have severely disrupted my life, resulting in considerable XXXX XXXX XXXX. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.

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 2024-07-16 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My father died in XXXX. Since then I have managed to keep up with the XXXX mortgages I XXXX Unfortunately it has been in foreclosure multiple times due to the fact that it has taken me that long to accrue funds. That being said. I have been in constant communication with these folks. XXXX and Selene Finance. There was a foreclosure sale date last month. Forgive me the date slips my mind, but I had the money to cover the arrears and spent the better part of XXXX  days going from XXXX to XXXX trying to send the funds to Selene with Selene on the phone. They knew the money was coming to them XXXX or high water and I was finally able to get a friend to let me deposit and wire the money to Selene from her bank account at XXXX o'clock. Which the sale was at XXXX. That being said and this has occured before, i thought they accepted my payment and rescinded the sale. Then a couple weeks later i get an email saying i needed to pick up the surplus. I didn't because i didnt want to validate the sale. Either way. They have not paid me back my $ XXXX payment and sold my house. I am not prepared to move or leave. I had no intention of losing my home and refuse to let these companies completely XXXX me out of everything. This place is all i got. My mother XXXX XXXX in this house, as did i. Before this foreclosure, the previous ones, XXXX and Selene filed foreclosure at the same time and i paid both off to save it. This time however, they filed at different times. So right after this XXXX excapade, XXXX tried to hit me with {$9000.00} to keep my home when i just put XXXX on the foreclosure with Selene. The arrears with XXXX was at most {$1200.00}. They added over XXXX grand of whatever fees they seem fit. 
In the past XXXX years, i have put over {$60000.00} on someone elses debt to keep my home. I asked Selene for mortgage forgiveness because i had put so much on it and i dont qualify for a loan as such. But they have XXXX me. They have been accomodating up until last month. Wouldnt surprise me if someone put some money in their pocket to boot me out. If thats the case, i want all my money back i have XXXX near XXXX  to pay to keep up with this XXXX. And another thing. I have XXXX binders full of statements, foreclosure papers, and XXXX that they have sent me over the years and they sell my house - i havent heard another thing from them. No XXXX you, no sorry we sold your house, NOTHING. The least they could do is let you know how hard they XXXX you. The reason that I had so much trouble sending money to them is because XXXX XXXX closed my accounts i had over fraud. Which i have never commited. If it hadn't been for that, none of this would have occured. I could have wired the money to them the day before like i was trying to do and been ok. Now im being forced out my home and have nowhere to go. Most of my family are dead. I have nowhere to turn to or go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I lost my wallet which included my debit card. I contacted Santander Bank immediately after I realized my card was in my wallet and when I noticed that there were several transactions made with the card that I did not authorize or make. The transactions were apparently made outside of the country which totaled about {$360.00}. The last transaction I made was in the general area where I live in XXXX. I filed a dispute/claim with Santander and XXXX their questions to the best of my knowledge. Santander rejected the claim/dispute because apparently whoever found my wallet figured out and used my pin. The transactions were not made by me nor did I authorize them. Given Santander unwillingness to assist me to date, I am hopeful that consumer protection laws and this agency can assist 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 2024-07-16 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-16 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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