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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, Truist Bank deposited payoff {$88000.00} in my Bank of America XXXX account then on the same day Truist Bank did a reversal. At the same time, it closed my account with Truist Bank. I kept going to Truist web site to attempt to make my XXXX XXXXXXXX XXXX of XXXX I also wrote the XXXX a letter and was not able to access my account to make a payment. When I called Truist Banks customers service, I was told I did not have a account. The entire time with Truist Bank, I have not received a statement for this account. 
XXXX XX/XX/XXXX, I received the first email from Truist Bank and then was able to access my account to make a payment. Once if found the amount I had to pay, {$3800.00}, I paid it immediately. After going months, without any communication from Truist. 
This whole incident was caused by Truist Bank, now this bank has damaged my credit by putting, in a credit report I can not see, that I was 90 days late paying XXXX XXXX XXXX of XXXX. Furthermore, Truist Bank has not put the late notices on any of the three credit bureaus, XXXX, XXXX, and XXXX and I am not able dispute anything. Truist Bank has not the entire time sent me any statements regarding my account. On their website, there are no statements for XXXX XXXX XXXX of XXXX. 
Only XXXX, shows Truist Bank did hard hits to my credit reports without my permission. One hit was in XX/XX/XXXX and one in XX/XX/XXXX. 
What I want to resolve this problem, is Truist Bank fix/remove the 90 days late they put on credit reports that I can not see, and put always paid on time and never late. I also want the hard hits on my Credit reports removed. I really want my credit repaired. 
I am XXXX women, who is a XXXXXXXX XXXX. I was in the XXXX XXXX as XXXX in the XXXX XXXX XXXX. All of this came to light when I applied for a XXXX XXXX to pay off Truist Bank Equity line of credit. I am currently working part time and refinancing would have help XXXX XXXX. 
I am looking forward hearing your reply and hopefully a resolution to this problem. I will continue to seek help next will be the XXXX XXXX XXXX XXXX. 
if any questions, please contact me. 
Sincerely, 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MD

Complaint narrative:
I AM HAVING A TON OF ISSUES WITH A COMPANY CALLED : PRIMARY RESIDENTIAL MORTGAGE INC. 
I HAVE AN INQUIRY ON MY CREDIT REPORT FROM THIS COMPANY. IT NEEDS TO BE DELETED/REMOVED FROM MY CREDIT PROFILE. NOBODY WANTS TO HELP ME. I HAVE TALKED TO XXXX MANAGERS, NOT ONE OF THEM WAS HELPFUL. THE ONE NAME XXXX XXXX TOLD A BLATANT LIE. HER PHONE NUMBER XXXX SHE TOLD ME THAT THE ACCOUNT WAS AUTHORIZED WHEN I'VE BEEN TELLING THIS WOMAN FOR XXXX CONSECUTIVE DAYS THAT I DID NOT DO THAT. ANOTHER ONE NAMED XXXX XXXX ( NOT SURE ABOUT SPELLING ) SHE IS THE WORST. HER PHONE NUMBER IS : XXXX XXXX AND SHE SHOULD NOT BE A XXXX. 
BOTTOM LINE -- -- -- -- -- -- -- -- -I NEED HELP!

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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I received an email that my " Chime Credit Builder Secured Visa Credit Card '' application was almost complete and, around the same time, a text message that my Chime account was ready. 

I immediately called the Chime customer service number to request that the account be closed and marked fraudulently opened, since I didn't open the account myself. They complied and sent me confirmation that it had been closed and that I wouldn't be liable for any fraudulent charges incurred. So, no financial damages occurred since I was able to act quickly. 

However, what is especially concerning to me is that I have a credit freeze with all three credit bureaus ( as I know my information was stolen in the XXXX breach and I've had issues like this in the past before freezing my credit ). I learned that Chime doesn't do a credit check/pull before approving this type of credit card, so the freeze is useless in this case. Ironically, when I received the confirmation of account closure, it had several tips for avoiding fraud such as instating a fraud alert or a credit freeze. 

If they wish to not hold someone's poor credit against them ( as seems to be the case with this kind of card ), they should still do a credit pull to ensure verification and security/enable people to see an alert if someone is trying to fraudulently use their info to open an account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 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: NY

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
I was told on several occasions that I would receive my profits after I paid this fee and that fee. But I never saw any profit. There was always another fee! See the attached letter for more details.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE FILED A FTC IDENITY THEFT REPORT FOR THIS THE FOLLOWING INQUIRIES WHERE NOT AUTHORIZED BY ME. 
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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Data Mortgage Inc.
State: VA

Complaint narrative:
Ive called several times requesting the website be updated to allow payments to processed regular without including a late fee. Its deceptive practices to force customers to pay late fees in order to make a payment via any available payment methods on their mortgage. The loan promissory note states all fees must be paid in full at the end of the loan in order for the loan to be satisfied as paid in full. When asked to speak with a supervisor no one is NEVER available callbacks are promised but NEVER returned Im still pending four call backs from three months ago and the most recent being two days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing to submit a XXXX XXXX to Repayment application regarding the federal student loans I obtained to finance my education at the XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX I enrolled at the XXXX XXXX in XXXX  with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at the XXXX XXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. The XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : The XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. Misrepresenting XXXX XXXX : The XXXX XXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant student loan debt to finance my education. In my final year, they advised they had a new loan product, the signature private student loan ( formerly through XXXX XXXX ) which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. As a result of the XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans while not even being able to land a job in my field of study that could even support the payback amounts. I along with over XXXX other students have been defrauded by this institution that is no longer in existence and will not accept anything less than a full refund for the amount of these loans. I was just recently denied by Navient for my XXXX private loans get clarification from Navient with a vague blanket response that appeared was sent to hundreds if not thousands of applicants as to EXACTLY WHY we were denied this discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Dear XXXX  XXXX, I am writing to address an issue with my mortgage account, which has unfortunately led to a negative impact on my credit report. I appreciate your attention to this matter and hope for a resolution that reflects the extenuating circumstances I have experienced. 

In XXXX, I was diagnosed with XXXX XXXXXXXX XXXX. This diagnosis and subsequent treatment have significantly XXXX XXXX XXXX and ability to manage some of my personal affairs. As a result, a payment for my mortgage was returned due to insufficient funds. Upon realizing this error, I promptly contacted your customer service team. I was informed that my account was not late, which led me to believe that no immediate action was required. 

Regrettably, despite this assurance, my account was reported as 30 days late. This is the first and only late payment on my credit report. Additionally, I did not receive any late payment notices or calls. I also sent a message through your website in XXXX but did not receive a response through my preferred method of communication. 

While I acknowledge my oversight, I believe the circumstances surrounding this situation and the incorrect information provided to me by your customer service representative contributed to this unfortunate outcome. I respectfully request that you consider removing the late payment notation from my consumer credit profile. 

This adjustment would not only help me during a challenging time but also reflect the commitment of XXXX to support its customers through unforeseen hardships. I appreciate your understanding and consideration and look forward to your favorable response. 

Thank you for your time and attention to this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> venmo sent me a email stating that the remaining balance in my account was available for standard transfer to a bankaccount that is mines I proceed to add a bank account through XXXX and manually and it did not let me connect my account for some reason giving me a error message every time I tired to upload and add my bankaccount. I am left with no other options to get my money off of venmo due to me having only XXXX bankaccount that i use i do not have multiple bankaccounts to use I don't know what else to do to get the remaining funds out of the account am asking venmo to please help me add my account and retrieve the rest of my remaining balance to my bankaccount immediately! don't know what other steps to take to get my money I have waited the 180 days already venmo has gave me permission to withdraw my funds to a bankaccount but won't let me upload my bankaccount to do so I don't know what else to do or any other measures to take to retrieve my funds my account is unrestricted for standard transfer so I don't know what is the issue with me adding a bankaccount to withdraw my funds can someone please fix this issue for me asap so i can withdraw my funds before venmo close my account.. I have attached documents that I have received from venmo and alone bankstatement to account I want to upload

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: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Since XX/XX/year>, I have been disputing the information on my credit report, as public records as well as a couple of accounts included in bankruptcy were being reported as mine. I have been requesting how they were validating and recording that data on my report. I have sent various letters requesting the removal of these items, but their responses have been crude. Therefore, I am applying for an investigation by the CFPB ( Consumer Financial Protection Bureau )

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Since XX/XX/year>, I have been disputing the information on my credit report, as public records as well as a couple of accounts included in bankruptcy were being reported as mine. I have been requesting how they were validating and recording that data on my report. I have sent various letters requesting the removal of these items, but their responses have been crude. Therefore, I am applying for an investigation by the CFPB ( Consumer Financial Protection Bureau )

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief