vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
The account in question was opened in XXXX through XXXX XXXX  in XXXX XXXX. I had another credit card through XXXX from the year prior which I did not understand at the time. Once I realized there were XXXX accounts through XXXX I was transferred over to XXXX XXXX. I set up auto payments through them and the first few payments went through without issue. This company removed my auto pay which sent my credit into a downward spiral. After acquiring substantial debt from the " missed payments '' and interest I sought out debt consolidation with XXXX and was making payments of {$180.00} a month to slowly pay down debt. In XXXX I lost my job due to XXXX and attempted to still make payments with unemployment checks. I remained unemployed and reached the limit of that accommodation and reached out to XXXX and reported a loss of income. They closed my account through XXXX and LVNV took over the debt. The other credit card from XXXX XXXX  along with all other debts accrued were settled at the time that I secured employment in XXXX. The XXXX XXXX credit card ( the item being reported ) was sold to Resurgence and showed a balance of {$760.00} as evidenced by the last XXXX statement attached below. The information sent to me from Resurgence stated that I owe {$780.00}. The information they sent to me had an interest increase of {$13.00} for the year of XXXX. I did not receive any other statement from them for XXXX. The discrepancy in amount and lack of previous payments prior to collection leads me to believe they do not have the proper documentation to prove this debt is correct. I have filed a dispute through them directly and it was rejected with little to no further information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to my Bank of America bank I always go to XXXX around XXXX I deposited XXXX XXXX hundreds dollar bills so XXXX $ total the atm did not record my transactions or deposited my funds I stood and contacted Bank of America & filed a claim I was told I would recieve a credit which I did not so now I am without my funds without any date of when I will be receiving it back I also contacted the location it self the next day XXXX to see if they would help which they did not.

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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Regarding the fraudulent charge of {$56.00}, which was made on our Apple credit card account from a website that falsely represented itself as XXXX on XX/XX/2024. The purchase was made by my wife, XXXX, who immediately realized the website was a scam upon completing the transaction. Within five minutes of the purchase, we contacted Apple Card services to report the fraudulent nature of the charge. Despite our swift notification, I was surprised to learn that our dispute was denied on the grounds that we allegedly received goods from this transaction. I would like to strongly assert that we never received any goods or services, and the charge in question is part of a fraudulent scheme. 

I have been going back and forth with Apple and Goldman Sachs ( GS ) regarding this charge and they provide a credit, say they are going to investigate and 4 to 6 weeks later the charge is back on my card and I repeat the same process with Apple and GS. I have never been given an explanation by Apple and GS why they are charging me for a fraudulent charge that I reported within minutes of the charge occurring. Apple claims we received goods from the vendor, but we have never received anything. We certainly did not receive XXXX yoga pants. The fake website was accessed via an XXXX post.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I am writing to notify you that I have been a victim of a data breach resulting in identity theft. Unauthorized accounts and inquiries have been fraudulently associated with my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
XXXX Accounts : XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$320.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXXXXXX 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

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 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX has this listed as a mortgage and when I contacted them about this they said it was the credit bureaus that made this mistake not them. I can not seem to get this error corrected by the company and the credit bureau. This is not a mortgage it's a XXXX  loan  with no collateral. The XXXX XXXX  company did email me a doc showing its not a mortgage which is attached but Experian says different and won't change 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 explanation
Consumer complaint received 2024-11-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Dear Equifax Team, I am writing to formally dispute the accuracy of certain information in my consumer file, as provided under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). 

The details of the disputed information are as follows : XXXX XXXX XXXX XXXX I noticed my credit reports are reflecting inaccurate information. One report date of the last activity is missing, this fact is considered inaccurate information that has been reported like this for over 3 years. This account needs to be deleted from my credit report effective immediately. 

I request a free reinvestigation of this information, as required by law. I believe this information is inaccurate for the following reasons : Date of last activity should be the same. Stop sending stall letters stating you can't locate a credit file, and that the information is erroneous. 

As mandated, I expect the reinvestigation to be completed within the 30-day period from the date you receive this letter. If the disputed information is found to be inaccurate, I request that it be deleted from my file, and that I receive a corrected copy of my credit report reflecting these changes. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I found out that M & T Bank has been charging me absorbent fees on XXXX of my accounts with them that had low balances. 

From XX/XX/XXXX, they charged a {$10.00} a month fee on XXXX account and {$14.00} on another for a total of {$840.00}. 

I called today XX/XX/XXXX to request a refund. They agreed to refund this year 's fees in the amount of {$270.00}, but they did not refund the remaining {$570.00} they stole from me. 

The manager who talked with me was named XXXX and the reference number for my call was : XXXX I have been a customer for over 30 years, and this is shameful that they took advantage of me like this. 

I let them know I was filing a complaint with CFPB. 

Thanks, 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 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have been with Chime for a long while. I have needed my debit card and I have called several times because they continue to contact me and tell me to activate a debit card that I have never received. 

Each time I call theyre only solution is to re-order another debit card, which will take an additional two weeks. Its been more than a month. I still do not have it and they still continue to tell me theyll resend another one. 

I need to be able to have access to it Because I have obligations and bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: CT

Complaint narrative:
The account in question was opened in XXXX through XXXX XXXX  in XXXX XXXX. I had another credit card through XXXX from the year prior which I did not understand at the time. Once I realized there were XXXX accounts through XXXX I was transferred over to XXXX XXXX. I set up auto payments through them and the first few payments went through without issue. This company removed my auto pay which sent my credit into a downward spiral. After acquiring substantial debt from the " missed payments '' and interest I sought out debt consolidation with XXXX and was making payments of {$180.00} a month to slowly pay down debt. In XXXX I lost my job due to XXXX and attempted to still make payments with unemployment checks. I remained unemployed and reached the limit of that accommodation and reached out to XXXX and reported a loss of income. They closed my account through XXXX and XXXX took over the debt. The other credit card from XXXX XXXX  along with all other debts accrued were settled at the time that I secured employment in XXXX. The XXXX XXXX credit card ( the item being reported ) was sold to Resurgence and showed a balance of {$760.00} as evidenced by the last XXXX statement attached below. The information sent to me from XXXX stated that I owe {$780.00}. The information they sent to me had an interest increase of {$13.00} for the year of XXXX. I did not receive any other statement from them for XXXX. The discrepancy in amount and lack of previous payments prior to collection leads me to believe they do not have the proper documentation to prove this debt is correct. I have filed a dispute through them directly and it was rejected with little to no further information regarding 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 explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Hello, a couple months ago I applied for a XXXX XXXX XXXX credit card with Synchrony Bank. I have yet to receive anything from them, however they have pulled a hard credit hit. No denial or approval, no card on the mail. I tried calling but since I had a charge off over 8 years ago with them ( time barred debt ), every time I call in they send me to collections dept and won't forward me to new accounts/applications

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: AL

Complaint narrative:
FTC report enclosed, my deed and a bill showing my correct address, my correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX report enclosed showing that they remove the accounts that was listed on XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: PA

Complaint narrative:
I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g.

I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.

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 2024-11-30 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: MI

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I have been a victim of identity theft due to a data breach, and the following accounts and inquiries were fraudulently opened without my authorization.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of these items from my credit report. 
XXXX Accounts XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  - XXXX # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Subject : Complaint Regarding Credit Protection and Payment Mismanagement To Whom It May Concern, I am writing to formally lodge a complaint regarding my experience with XXXX  XXXX  and the subsequent transfer to PHH Mortgage during my ongoing loss mitigation process. 

For over a year, I have been engaged in a loss mitigation process with XXXX XXXX. As part of this process, I was instructed to make a mortgage payment of {$1500.00} for XX/XX/year>. Despite being advised to proceed with this payment, I later discovered that my loan was transferred to PHH Mortgage after the payment was processed. 

Upon reviewing my statement, I noticed that the payment was not applied to my mortgage account. I initially assumed that the payment was being held until the loss mitigation process was resolved. However, it has come to my attention that this payment has not reflected in my overall mortgage balance. 

I was approved for a partial payment option with an agreed mortgage amount of {$1400.00}. However, to my dismay, PHH Mortgage is now requesting a payment of {$1500.00}, less than a month after this agreement was established. This sudden increase in the payment amount is both confusing and concerning. 

I have contacted PHH Mortgage multiple times seeking clarification on the status of my payment and why it was accepted while I was still in the loss mitigation process. Unfortunately, I have yet to receive a satisfactory explanation regarding the whereabouts of my payment. 

Despite my repeated requests for information via phone, email, and mail, there has been no response from PHH Mortgage. This lack of communication and transparency is deeply concerning and has left me feeling frustrated and uncertain about my mortgage situation. 

I kindly request immediate attention to this matter and a thorough explanation of where my payment has gone, the rationale behind accepting it during the loss mitigation process, and the reason for the sudden increase in my payment amount. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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