vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, XXXX and TransUnion will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX XXXX Account Number : XXXX The Last Activity for this account on Transunion is XXXX Last Activity for this account on XXXX is XX/XX/XXXX. The Last Activity for this account on XXXX is XX/XX/XXXX. This account isn't reporting at all on Transunion in the last two years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on XXXX as collections for the last two years from XX/XX/XXXX to XX/XX/XXXX. This account is reporting on XXXX as positive payment history for the last two years from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Transunion, XXXX and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : 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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Our issue is with Ally Bank. On XX/XX/year>, we ( my husband and I ) noticed a fraudulent charge ( screenshot Ally-Online-Services-Ally.png ) on my debit card for {$2500.00}. We immediately knew it wasn't something we purchased and we noticed it was from a XXXX business, supposedly in XXXX, VA, which is in XXXX XXXX. We called the XXXX XXXX Sheriff 's Office and discussed the issue with an officer, who said that the business does not exist and therefore they can not do anything about it. 

So, by fraudulent, we mean someone stole our credit card and charged it to a fake XXXX business. We bank with Ally, so we immediately locked our cards and attempted to dispute the charge. We were told by an Ally customer support representative, that we could not dispute the charge until it was posted. It's a lot of money, so we watched it like a hawk and disputed it immediately when it did post. We were told by Ally that it would take 10 business days to investigate the dispute. We didn't hear anything from them and ended up contacting them again on XX/XX/year>. They told us the dispute was ruled as non-fraudulent and that we wouldn't get our money back. We complained, but we were told by Ally that there was nothing they could do, because their fraud department ruled it as a legitimate charge. 

Considering it was a lot of money, I decided to do some detective work. I contacted XXXX, and they gave me some good information and leads. I discovered I could look up the transaction receipt for the XXXX business ( screenshot Square-Look-up-your-receipt.png ). When I looked it up, on XX/XX/year>, the business suddenly had a completely different name, didn't have a legitimate address, and was in XXXX, WI. The receipt also showed that the card was " keyed '' in, so the chip was not used. This, to me, made it fairly obvious this was a fake business running stolen credit cards. 

With this new information on hand, I reached back out to Ally Bank on XX/XX/year>. When I provided this additional information, they told me they re-opened the transaction dispute. I've now contacted Ally Bank multiple times since they re-opened the dispute and every single time I contact them, I get told the fraud department needs 10 more business days to investigate. It just seems like I'm getting a runaround where I'm never getting my money back for a clearly fraudulent charge. Please help! We don't have a lot, so this money means a lot to us.

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 2024-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: TN

Complaint narrative:
I told Guild in XXXX XXXX my XXXX told us they cut are hours things will pick up in XXXX. We was working XXXX hours out of a XXXX hours shift. 

( Found out later this happen ) bank number put in wrong by agent my XXXX payment didnt come out .Western union payment was sent back need to be {$3600.00}. The manger told me XXXX XXXX XXXX XXXX on recorded line and I made it clear put it in my notes. Seen it will take time for the refund go back to XXXX XXXX /then you. When my {$1800.00} western refund hit back I could send the $ XXXX + XXXX ( {$1100.00} ) payment will be needed also my XXXX week XXXX check would make XXXX payments {$5400.00}. 

Finally get the refund took XXXX business days. They told me around XXXX after wait on refund I need to send in XXXX? Everything is on record line. Like Im confused n hurt. They can listen to the called on XXXX XXXX. I had a manger call me and told me make the XXXX payment after XXXX XXXX XXXX refund hit in XXXX. They wont accept XXXX got be XXXX sorry about the error. 


I also got XXXX XXXX to help they been working with me seen may and ( XXXX email with guild ) see guild ignoring the documentation we ask for also. I email guild over XXXX probably got XXXX replys. Every email I forget to put my loan number in get reply every time. The important email with thda with loan numbers ignored. Guild sent me the covid documents I ask in XXXX today XX/XX/XXXX. Thda offer to fund the loan if I applied hardship with my company anytime before XXXX XXXX. XXXX just not giving me that document. XXXX agent is my witness

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: SC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: SC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-06-18 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 think FCRA 605B mandates us to eliminate any incorrect accounts on my credit report. Would you mind checking the documents? Some accounts are inaccurately reported with wrong amounts and dates.

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 2024-06-18 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
FCRA 605B obligates us to remove any erroneous accounts from my credit report. Could you please review the documents? There are discrepancies in the reported accounts, such as amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: PA

Complaint narrative:
I believe FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you check the documents for accuracy? Some accounts are incorrectly listed with wrong amounts and dates.

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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
My employer informed me I received withholding garnishment from a debt collector that I disputed years ago and was removed from my credit report Because the debt was mine and they couldnt prove it. Now I have a judgment when I never even received any papers I was never served so I never got a chance to go to court to defend myself. Portfolio recovery associates are performing illegal tactics. How can someone defend their self when they never receive notice of any court dates and this company never provides them any proof of debt or name of the original creditor. I need a lawyer to help me, sue them for Fraud illegal, practice, and damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an inquiry on my credit report that does not belong to me and i did not make. Please remove immediately. XXXXXXXX XXXX XXXXXX/XX/year>

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 2024-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I made a purchase for pillows from XXXX  which advertised 30 day money back guarantee. The pillows made my body feel worse and in pain. Each time I reached out to the merchant to send me a label they never responded by email or phone. I contacted capital one to dispute the transaction. Capital one closed the disputes in the merchant favor and did not send me correspondence about the dispute or advised me to do anything after opening the disputes with a agent over the phone. The merchant waited until the last moment to respond to the dispute stating i got my merchandise. The issue is not getting my pillows but instead the guarantee the merchant is false advertising. I submitted all documents of calls and emails to the merchant as well as the merchants advertising and no update and case still closed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid off my loan and have an email from XXXX XXXX stating that fact. Nonetheless, XXXX XXXX failed to report that fact to all the credit bureaus. It shows that I still have a balance and the fact that the account was paid in full was never reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NM

Complaint narrative:
A few years back I was pre approved for what I thought was a credit card. It turned out to be a personal line of credit! My balances went all the way to the XXXX yet I have paid thousands of dollars back and my balances do not go down nor does my minimum monthly payment. Im being charged XXXX XXXX and make payments and the balance doesnt ever go down nor does my payment minimum monthly never go down then because I was upset with them how they tried to XXXX me over in a hardship program where I continued to make the minimum monthly payments on time they said I was in default after they are the ones that gave me the amount I needed to pay while I was in the hardships program. They posted one of my payments a day late I which then they said I was delinquent and reported it to my credit bureaus and then had my score drop by over XXXX points meanwhile I have made every single payment every single month I have ever had these XXXX accounts which one I paid so well they decided to give me a second within a couple of months and this company has tried to destroy my credit score even though I have made every single payment on time and now they have lowered all my balances and attached even more fees where the minimum monthly payment on a XXXX balance card is almost XXXX a month payment the other loan I over around XXXX and that payment is XXXX dollars a month this is predatory lending as well as they have tried over an over to hurt my credit yet I have prooof of making every payment for every month of every year I need help they are robbing me each month my balances do not go down no me they have lowered my limits and my minimum monthly payment is more then I pay for a XXXX car loan! Please help me this company is predatory lending to the fullest they are also sabotaging my credit scores and playing games where they had sent a letter to my credit bureaus removing a slow payment they reported then they went and re reported it and said oops sorry there is nothing we can do to fix it but they took action against the employee they made the mistake but they cant fix my credit report or my monthly payments and my balance never goes down at all and i literally am paying XXXX a month on XXXX account with them and XXXX on the other acccount yet my balance doesnt go down and my payment doesnt ever go down! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My Apple Card was removed from my phone by no fault of mine and after 10 plus hours on phone with over 10 different Apple Card employees, they cancelled card and continued to allow charges on it. This has been going on for almost two years now and all I get is 25 plus harassment calls per week from them after spending so much time with so many different Apple Card specialists! Its all documented in their system! I had 100 % on time payment history! Ive told them time and time to stop with the nonsense! Im being treated like a criminal not a good customer that I was! They admit they were wrong but continue with the harassment on a daily basis

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: OK

Complaint narrative:
I was recently applying for a loan for a project to help improve my community and its come to my attention that the missed payment on my record could hurt my ability to qualify. This is very frustrating because I have been bringing this to the credit bureaus attention for months. 
They are reporting in XXXX and XXXX of XXXX and XX/XX/XXXX which I have NEVER been late prior or after these claimed moments. These claims are violating several of my federal protected rights under the FCRA. 


Under congress, Pursuant to 15 USC 1666B, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' Also under 15 usc 1692 under the FDCPA If there was a late payment then I was not properly notified of this late payment so how can I address something I never knew anything about?

15 USC 1681 under the FCRA this is not reporting 100 % accurate and every time I send in a dispute the bureaus update certain things but still isn't 100 % accurate. 

I would hate to hire an attorney to sue the company for willful violation of my consumer rights, defamation of character and financial injury.

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 2024-06-18 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: PA

Complaint narrative:
Hello I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
Hello I am writing to delete the following information in my file.The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible. 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 2024-06-18 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: CA

Complaint narrative:
XXXX disputing information on my credit report. Pursuant to FCRA XXXX XXXX including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket Identifier XXXX.

Company response to consumer: Closed with explanation