vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-04-29 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-04-29 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-29 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: CT

Complaint narrative:
I recently reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
XXXX - I attempted to withdraw funds from my account to use for closing costs on my home. The amount that I needed to withdraw was greater than the amount that the bank allowed via online transfer or their mobile app, so I called the customer service center to conduct the transfer. 
XXXX - Transfer is reversed by the bank without explanation XXXX - Called the customer service center to request explanation of why funds were reversed. CSR indicated it was flagged because they " could not verify my identity ''. Requested funds be transferred again. 
XXXX - Called the customer service center to request an update on transfer of funds. Was told the transfer was " still in process ''. 
XXXX - Called the customer service center and was told the transfer was not initiated but the CSR could not explain why. CSR initiated a wire transfer instead of ACH and the funds transferred successfully the same day. 
XXXX - Called the customer service center to request closure of the account. CSR assisted with this process and stated I would receive an email confirmation within one business day. 
XXXX - Received a call from the bank 's fraud department. Employee stated the account could not be closed because a specific amount of funds were determined to be " unsafe ''. CSR could not explain what unsafe meant in this context. Employee stated I would need to transfer the amount of " unsafe '' funds back to their original bank, and then close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Starmark Financial LLC
State: FL

Complaint narrative:
The company is requesting a unfair amount. the amount was invalid. instead of fixing it they decided to sent it to a third party collection

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 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have recently submitted a complaint that my identity was being fraudulently shared. In that complaint I mentioned TransUnion and other third party, elaborate mechanisms that had my information and was using that information to make determinations against me. I asked for proof that I ever contracted with them and so far TransUnion has not provided that information BUT they sent me a report which to me proves that they somehow got all that information about me without my consent nor having a contract with me. To my knowledge, I've never willingly given TransUnion my information nor have I ever contracted with them.

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 2024-04-29 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: TX

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-29 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX   XX/XX/2023 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 XXXX 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 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 2024-04-29 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:
I just checked and reviewed again my Equifax, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had received a CareCredit/Snychrony Bank amount of {$3800.00} on XX/XX/XXXX to cover dental implants. The amount was to be repaid by XX/XX/XXXX interest free, unless not paid by then in which an interest charge on the full amount would be charged. I had been paying $ 300 monthly regularly, but unfortunately I missed paying my last installment of {$300.00} until XX/XX/XXXX, or 6 days late,. I was immediately charged the total late payment interest of {$48000.00}. This struck me as a very unfair trap for an honest mistake., I offered to pay the XXXX interest charge of {$18.00} plus the XXXX fee of {$30.00} but this was denied.

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 2024-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I was with XXXX  for 13 years and in the course of my relationship with XXXX, I found them charging me for lines I did not use anymore on three different occasions due to their negligence. When I called them on it they cut me off from my information. Hence, I was unable to fight them on this last time I caught them because all my devices were paid off and my bill was still {$540.00} a month when I researched my account they had been charging me with lines I closed at one point and they reopened or blatantly left open so that my bill would be high. When I asked for one of the Managers they told me that even though they had been charging me for 9 years for three different lines that were not needed they would only refund me for 3 months. I expressed my unhappiness and told them I would no longer use their services. Once I left they began to send me bills saying I owed money for devices I already paid off. like my XXXX watch and an XXXX cell phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
I submitted dispute through Equifax via phone since I am unable to access online portal regarding inaccurate/ incomplete balance history for XXXX XXXX XXXX  account ( XXXX ). A thorough reinvestigation was not completed since account reported back as verified/updated, but account appear to be reporting the same discrepancies. Report is reflecting date of last payment XX/XX/XXXX, further down under historical account information date of last payment is listed as XX/XX/XXXX. However the actual payment amount is showing payment on time up until XX/XX/XXXX. Date of 1st delinquency is listed as XX/XX/XXXX but payment is reflected on XX/XX/XXXX per actual payment amount. Upon further review, on XX/XX/XXXX reflects on time payment but date of last payment is dated for XX/XX/XXXX. This same discrepancies appears on XXXX each month shows on time payment but last payment date reflects XX/XX/XXXX. Same discrepancy continues on XX/XX/XXXX, shows on time payment but last payment date is XX/XX/XXXX. I am asking to be provided with ALL ACCOUNT LEVEL DOCUMENTATION that was used to verify account in dispute between the furnisher and credit reporting agency. Pursuant to the FCRA " Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information ''. Said companies is in violation of 15 USC 1681S-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. In addition, said companies are in violation of Privacy Act of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: AL

Complaint narrative:
On or about XX/XX/year> a complaint was initiated about fraudulent accounts on my credit report. See CFPB Complaint # XXXX. Your company did not process my request but stated you would reinvestigate after the source of the information verifies its accuracy. See attached. The accounts in question are XXXX XXXX  ( XXXX ), XXXX XXXX XXXX, XXXX XXXX. As of XX/XX/year>, I have yet to receive any correspondence other than the CFPB response on XX/XX/year>. Under 15 US 1681 ( Procedure in case of disputed accuracy ) you must reinvestigate within 30 days and send results by mail. I have yet to receive anything.This is a violation.

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 2024-04-29 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I applied with a loan in XX/XX/XXXX with Carrington Mortage. My lender was XXXX XXXX. XXXX XXXX. 

I borrowed money from a hard money lender in XXXX. I was on a strict timeline on getting the work completed and the home refinanced. The home was not completed until XX/XX/XXXX. I had to make sure that the hard money Lender received all of his money by XX/XX/XXXX. The hard money lender was XXXX XXXX 

I reached out to XXXX XXXX numerous times I told him that I needed to get done quickly, he assured me there would not be a problem. That was not the case. There was always an issue. XXXX wanted this, and that. I still did not have a clear to close as of XXXX XXXX. 

I finally did receive a clear to close on XX/XX/XXXX ( approximately. ) but my interest rate was at 10.5 percent. XXXX assured me my rate would be at 7 or 8 percent when we started.. My credit score was above XXXX. I showed proof of me being a landlord for over 20 years. I had no choice but to take the deal. I had no late payments in 2 years. I had 6 other mortgages. 

So now I am stuck paying this note with this high interest rate. 

To make matters worse I received a call from the lender saying that there was an error with the pre-payment penalty. I was told there would be no pre-payment penalty originally. Now they want me to sign paperwork allowing them to charge me a huge pre-payment penalty if the loan is closed within 350 payments. 

I emailed the person about the pre-payment penalty, but I have not received a call back or email. To be honest, I don't have a clear understanding of what she wants me to sign. 
I feel that Carrington Morgage took advantage of me, and they are further trying to take advantage of me. If I don't get this issue resolved, I will be petitioning the Geogia Secretary of State to investigate Carrington so there licensed can be revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: Radius Global Solutions LLC
State: OK

Complaint narrative:
colllections on my report i dont recognize

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-29 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:
My personal information was used to obtain a student loan. Im not in school. I graduated from XXXX XXXX XXXX XXXX XXXX. I have not attended another university and do not plan on in the future. I have XXXX XXXX under XXXX XXXXXXXX XXXX only and no other accounts. I have not participated or contributed to any consumer accounts for a student loan. It has affected my ability to assess resources for my way of life.

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