vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX COLLECTION AGENCIES KEEP CALLING MY DADS CELL XXXX TIMES DOCUMENTED. ARE ILLEGALLY REPORTING XXXX XXXX TO ALL CRAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
My account with Credit Karma was frozen on XX/XX/XXXX after I use my card early in the morning for coffee. Then I received an email stating for my protection that my account was frozen, I called Credit Karma until verify one of my account was frozen and how long this process will take and the only thing they can tell me is that it's being dealt with by a different department by a group of specialists in that they couldn't give me any information and that I had to wait for an email from that department. I have not received any other communication from them since I have called them multiple times, reached out to them via email and XXXX, and XXXX XXXX XXXX XXXX and no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
In the beginning of XXXX I got a notification from XXXX XXXX  saying I had a new collection put on my account for over XXXX dollars from XXXX XXXX XXXX and my credit score dropped I dont have XXXX XXXX XXXX I have us cellular but this is not the first time this has happened last year I had to put a fraud alert on XXXX because someone tried to open a credit card account and spelled my name wrong so they investigated and found it was fraud and this is the second time XXXX XXXX  XXXX has popped up because last year I had a account that was opened through XXXX XXXX XXXX last year that was opened and someone done fraud on that and they investigated and took it off my credit account I dont know where my info leaked but I have been going through this for a year and now I have placed another fraud alert on my account but I dont know why they keep using my info even through I have a fraud alert placed on my account and it keeps on effecting my credit but I wa through XXXX XXXX  for XXXX and last year we got letters stating some peoples info had leaked so my info must have because this is my third time having someone open some in my name and messing up my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-09 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: CLGF Holdco 1, LLC
State: SD

Complaint narrative:
The account Indigo - XXXXXXXX XXXX was added to my credit report on XX/XX/year>. I do not recognize or have any knowledge of this account. I would like the account removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: NE

Complaint narrative:
When I took a debt consolidation loan with USBank part of the agreement was for them to pay XXXX . the cashiers check USBank sent to me for XXXX XXXX was reject by XXXX as a third party check. I ended up sending XXXX a personal check for {$1800.00}. It is my credit that will be affected. I notified USBank that this bill was resolved and to please reimburse me. They are refusing to do so. To make matters worse they sent me another cashiers check made out to XXXX XXXX. They already tried that and was rejected. Why do it again. XXXX XXXX is already settled anyway. Why can't they just reimburse me. It is in contract for them to settle this this account. Do they think they think they get to collect 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 2024-02-09 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Our father had his mortgage loan through Mr. Cooper. He passed away in XXXX of XXXX. Once my brother and I got a hold of Mr. Cooper at the end of XX/XX/XXXX, we have made continued efforts to move forward with a loan modification. At the time of our father 's death, he was behind $ XXXX but he had the home under COVID forbearance since XXXX. We were told by Mr. Cooper that to move forward with the loan modification we need to remove the COVID Forbearance. They told my brother and I that if the loan modification did not go through that we could put the loan back on COVID forbearance which was not the case. During this time Mr. Cooper would not allow us to make any payments toward the past due amount. My brother and I continued daily to reach out to Mr. Cooper. From XX/XX/XXXX Mr. Cooper suffered a huge data breach and we were unable to contact the company for a month. 

Mr. Cooper was extremely difficult to get a hold of. When we would contact the office there appeared to be no information regarding, and we had to explain the entire situation over. Mr. Cooper has requested I send in the same information over XXXX times since we started this process in XX/XX/XXXX through XXXX of XXXX. On the last time I submitted documents in XXXX XXXX, I received a call 2 days later. I missed this call but the company did not seem to know what we actually needed to submit to get the correct documentation needed to move forward with the process. 

We were directed to not go through probate because all the beneficiaries were in agreement. When we started this process at the end of XX/XX/XXXX, we asked if there was any mortgage relief. Which our mother had mentioned prior to her passing back in XXXX. 

Dealing with Mr. Cooper has been extremely disappointing, especially during this difficult time. I would not normally move forward with filing a complaint but there is something going on. My brother and I are concerned about the way Mr. Cooper is handling this process. 

We would be happy to provide any other information needed to investigate this situation further. 

Thank you for your time and have a wonderful week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint Against Wells Fargo for Unresolved Fraudulent Transactions Dear cfpb, I am writing to file a formal complaint against Wells Fargo regarding unauthorized transactions that occurred on my credit card and checking account. Despite my initial efforts to open a claim, the resolution process has been challenging due to an unfortunate misunderstanding during my state of confusion. 

I observed several charges on my credit card and checking account that were undoubtedly fraudulent. Regrettably, in my overwhelmed state, I mistakenly flagged some of these charges as authorized during the initial claim process. Unfortunately, Wells Fargo is now refusing to re-open the claim. 

I strongly believe that Wells Fargo should have exercised due diligence by inquiring about all questionable charges, not just the ones initially submitted. The perpetrator used unauthorized means to access my bank accounts, transferring funds from my credit card and checking account into a brokerage account. Subsequently, the funds were withdrawn using XXXX. 

Since then, I have taken proactive measures to enhance my security. I purchased a new phone, changed my passwords, and implemented XXXX authentication. Consequently, there has been XXXX fraudulent activity on my accounts. 

I strongly believe that Wells Fargo 's reluctance to reopen the claim and address the full extent of the fraudulent transactions is incredibly and unfathomably unjust. 

Enclosed with this letter, you will find supporting documentation, including : A detailed list of unauthorized transactions that equal around {$9000.00} I appreciate the cfpb 's commitment to consumer protection and trust that a fair and impartial investigation will be conducted. 

Thank you for your attention to this matter.

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 2024-02-09 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:
While I out of the county as a government contractor, upon my return I was in the process of buying a home. I pulled a copy of my credit report and noticed several items that I knew were not accurate. I did some research and found out that I was a victim of ID Theft. I notified the credit bureaus and they have not responded back to me yet. Below is the list of fraudulent accounts that I need to have deleted. 

XXXX XXXX date opened : XX/XX/XXXX Bal : {$360.00} XXXX  date opened : XX/XX/XXXX Bal : {$00.00} XXXX XXXX date XXXX : XX/XX/XXXX Bal : {$00.00} XXXX XXXX  date opened : XX/XX/XXXX Bal : {$440.00} -XXXX  date opened : XX/XX/XXXX Bal : {$1200.00} -XXXX  date opened : XX/XX/XXXX Bal : {$8100.00} XXXX date opened : XX/XX/XXXX Bal : {$1600.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$590.00} XXXX XXXX date opened : XX/XX/XXXX Bal : {$770.00}

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 2024-02-09 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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: NC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnionis reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-09 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recognized ( 3 ) fraudulent charges to my Wells Fargo credit card made XXXX. There was a dining charge that was declined and a {$70.00} XXXX charge was reimbursed. ( I have XXXX XXXX XXXX cell service. ) However, the company denied and added back at {$1300.00} charge for an XXXX XXXX flight on my account. 

I was on a return flight from XXXX to XXXX for work on XX/XX/XXXX, the date of the fraudulent airline ticket was purchased for, and I reported the unauthorized charges on XX/XX/XXXX upon my return. I provided my employer 's approved expense report showing I was on another flight, purchased from my newly obtained travel card, but that was declined as sufficient proof. 

I requested they reopen the case for further investigation, and I filed a police report with the XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, and sent that to the fraud department to dispute the charge. That request was also denied. 

I then re-opened the case and provided information I obtained from an XXXX XXXX representative that the initial flight charged to my card ( ticket # XXXX from XXXX to XXXX XXXX ) was a " no-show '' and a travel credit was issued to the person who stole my credit card information. I also provided the subsequent ticket purchases shown below that were made by the persons with " international '' names. The XXXX XXXX representative said for the detective and/or Wells Fargo to ask for a supervisor at XXXX. I gave both parties this information, and Wells Fargo immediately, without any further investigation, declined to do this research and they did not provide me with any additional information on their denial of my claim. 

Ticket # # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Even after providing the above and escalating my case to corporate, Wells Fargo has still not provided any tangible information that proves I made this purchase, and they have failed to adequately investigate the fraud charge, especially based on all the evidence I have provided that this was apparent fraudulent activity.

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 2024-02-09 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: MO

Complaint narrative:
Experian starts the day like all the others with computer generated response which addresses ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I've contacted BOA several times on hold for more than 30 mins just to close a checking account. IN the meantime I was given a XXXX XXXX monthly maintence fee, because I simply can't get through to close my account. I contacted XXXX, their chat bot, she doesnt provide an agent. Shes sent me to several numbers that say they can't assit me, and I'm not calling again on hold for an hour to close an account. I work for a bank - you need better access BOA i've been with you for what 20+ years. This is silly. Please close my checking account after you refund an extraneous maintence fee i ' recieved because I lowered my balance .... TO CLOSE MY ACCOUNT. 

Thank you XXXX XXXX Checking Acct # 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 monetary relief