vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2024-06-26 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:
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 2024-06-26 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 non-monetary relief
Consumer complaint received 2024-06-26 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: DE

Complaint narrative:
I was looking over my credit profile and noticed an auto loan account that I did not authorize or give my permission to open under my credit profile. I reached out to creditor XXXX XXXX XXXX and they told me to dispute with credit bureaus which I did. The credit bureaus gave me instructions and document I would need which Ive obtain and mailed in certified mail. Since I completed all instructions, theres been no resolution. No communication. The information in their system so screwed up, when I call in to be updated on dispute, I cant access my credit profile due to inaccurate info on my credit profile when doing the verification questions.

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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had no knowledge of this credit account being opened using my social security number, I have filed a police report and a identity theft report wit the Federal Trade Commission and sent it to all credit bureaus. 
Despite being a victim of identity theft capital one reports to the credit bureau that this is an authorized account and keeps it on my credit not allowing me a fair credit report. After sending all documents verifying I am a victim of identity theft, capital one has not took action to get the unauthorized account removed from my credit report, or report to the three credit agencys the account was a result of identity theft and unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one account number XXXX was discharge in my XXXX bankruptcy filing this is the only other capital one card I have so the dates arealso incorrect XXXX no one would give credit I was still in my bankruptcy, alsoI see it has been reported XXXX they should not still be reporting to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX Wells Fargo filed a foreclosure case on my home. Since then I have been fighting and have to hire attorneys to defend me. 
After all these years of fighting they were rewarded a summary judgment, and had a sales date and I have to file XXXX  XXXX to save my home and have enough time to look into it. I did a title search and found out that Wells Fargo Did Not have my mortgage. 
All it shows fraudulent assignment that was done in XXXX with no legal description of my home on the assignment ( XXXX  XXXX ). 
And it is impassible because my mortgage was with XXXX XXXX  from XXXX XXXX and was confirmed by XXXX and they were not in a relationship with Wells Fargo . I contacted Wells Fargo the executive office and the legal department. 
After 7-8 months of extensive search they came to conclusion that l Do Not Have a Loan and they are not foreclosing on my property. I have a letter from Wells Fargo stating that and I notified XXXX XXXX and the Judges legal assistance, l put it in public records and asked the judge to dismiss the case with prejudice because the loan does not exist and attorney XXXX XXXX filed this fraudulent Foreclosure case theyre committing fraud on the court and on me and causing me physical harm and financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I filed a lengthy School Misconduct application through Navient which was received on XX/XX/XXXX but denied yesterday XX/XX/XXXX. My denial letters for all 3 of my private loans were very vague as to why they were denied. I have included them in the attachments below. I attended The XXXX XXXX XXXX XXXX XXXX from XXXX and have been unable to obtain my official transcripts to further my career and education. 

On XX/XX/XXXX I received an email that the U.S. Department of Education has determined that my federal student loans I received to attend the XXXX XXXX were eligible for full discharge. The XXXX XXXX XXXX XXXX XXXXXXXX engaged in unlawful conduct and made pervasive and widespread substantial misrepresentations that borrowers such as myself relied on. 

This misconduct affected students who were enrolled at the XXXX XXXX from XX/XX/XXXX XX/XX/XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefit connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by the XXXX XXXX, XXXX has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at The XXXX XXXX during the period described above. I feel Navient should do the same for its borrowers. 

My Borrowers Defense application ( application # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Greetings, I was a victim of an online job scam back in XX/XX/XXXX. CITIBANK is reporting to XXXX XXXX XXXX consumers reports of this being a forged " Account Check Fraud, '' which I find highly unprofessional on their part when I was a victim of a scam myself. The individual posting as XXXX XXXX was trying to hire me to become a data entry clerk for the company. I was reached out to by a XX/XX/XXXX XXXX or Indeed during the same month. After I completed the personal information, I provided them with my ID as well as my SSN, and XXXX and the next day I was told I would be hired. They advised me that they were sending a check in the mail viaXX/XX/XXXX for me to purchase equipment to do the job, but I would need to deposit the check and then go to a website to purchase the required equipment. I deposited the check, and it was cleared the following day. I took the cash out, bought the equipment, and sent the money over to them via XXXX XXXX. I received a call from Citibank advising me that the check was returned and that my account would be in the negatives because the check appeared to be fraudulent. I had no intention of defrauding Citibank. I filed a police report regarding the scammers posing as a legitimate company when they were not and advised XXXX of the same issue. Years later, I am unable to open new bank accounts with any large institution because of the unfair reporting of " Account XXXX '' by Citibank. I tried to dispute the information with XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, but I was advised by them a few weeks later that the bank notified them that the information was accurate. No other options were provided. Every bank is viewing me as some sort of criminal. It is embarrassing and extremely depressing. I call on the Government to investigate this matter thoroughly, and if there are any wrongdoings by Citibank I deserve compensation for the stress that I've endured, and the loss of income it has cost me. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.

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 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Ally Bank does not protect your money -- beware! Extremely shady company with horrible customer service and communication Had money ( $ XXXX ) stolen from checking acct over period of several months. I requested fraud protection and immediate closure of account. Ally bank assured me this would occur. I called multiple times over period of weeks as more money was stolen from acct ( money that was returned to acct initially during fraud investigation ). they did nothing to prevent this and told me on numerous occasions that the account would be closed. It wasn't. When i finally heard back final verdict from fraud team ( months later, not within the resolution window they had initially promised ), they said that the stolen money transactions were valid ( after agreeing with me that some of them were fraudulent ). This makes absolutely no sense -- how could some, but not all, of the fraudulent transactions to a company i had never used before in a city i do not live in be legitimate? Furthermore, the bank refused to cooperate with the sheriff 's dept that was local to the area where the stolen money was being deposited. I submitted my legal documentation, case number, police contact info etc to the bank and they openly refused to speak with the detective investigating the case. 

Every time I call, the customer service agent seems to have little insight into the case but says things to the effect of " oh, I see that should have been done but I don't know why it wasn't ''. It is infuriating to hear Ally staff continue to admit their own failure but have no ability to make things right. It seems that nobody working for Ally has any idea how the company works. In an effort to cut out the middleman ( ie the bumbling customer service agents who have no idea what is going on or how to fix the account closure or fraud issues ) I requested to speak to the fraud department on multiple occasions. Unsurprisingly, they refuse to speak to customers. It is also impossible to speak with leadership/management. 

Currently looking into sending the dispute to arbitration and submitting complaints with regulatory agencies. I'm sure there must be lots of other folks who have had similar experiences.

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 2024-06-26 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:
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 XXXX 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 2024-06-26 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: GA

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed claims with Bank of America because I noticed unauthorized withdrawals from my checking account. These transactions were fraudulent, and money was sent from my account to someone elses XXXX account. One of the transactions was for {$6300.00}. Despite providing all necessary information, Bank of America denied my fraud claim. I need this money urgently, as I was recently laid off and can not afford this loss. My money was stolen, and I need to be protected and reimbursed for these unauthorized transactions. 

This description includes the necessary details without including personal 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 explanation