vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have learned about these accounts one by one in XXXX of 2022. I have taken steps in removing these fraudulent accounts from my credit profile through the furnisher 's as well as the credit agencies repeatedly from then until date. Although these information has been removed from XXXX and XXXX they still are being verified and and updated with TransUnion. I am declaring once more that these accounts were unauthorized and I am a victim of identity theft by someone privy to my information both private, sensitive and personal. I am a fraud victim and should not be held liable by verifiable information that no doubt belongs to me. Including a phone number that I adopted as mine due to the length of me using, which should be able to be verified as fact of the matter through investigation. These reality does not make me responsible, or guilty for not knowing, nor did I benefit from these accounts.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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:
See attached FTC Report and identification. Delete all accounts and addresses that do not belong to me.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I was a victim of identity theft. 
I didn't open this account or give anyone else permission to open the account. I have been trying to dispute this account and didn't get anywhere. 
The account was opened fraudulently with different email address and phone number attached to the account, but they will not even give me access to the account and will not tell me any information on what was purchased or how it was used. 
But the card company harmful to my credit report. This is been going on for a long time now, and I don't feel that I should be responsible for the charges to the account I didn't open. Can someone please help me in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XX/XX/23 Synchrony Bank Customer Service Department XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Discrepancy in Account Balance and Request for Immediate Rectification Dear Sir/Madam, I am writing to address a concerning issue regarding my credit line with Synchrony Bank , which was associated with my account at XXXX XXXX XXXX in XXXX, OK. I am requesting your immediate attention to rectify the matter as it has adversely affected my credit score and is impeding my ability to purchase a home for my family.

To provide you with the necessary details, at one point, I had a credit line with Synchrony Bank through XXXX XXXX XXXX. I am pleased to inform you that I have responsibly managed my account and have successfully paid off the entire balance in full. However, to my surprise, I recently discovered that Synchrony Bank claims that I owe them an additional sum of {$20.00}, despite the fact that my account was settled and closed. 

I must emphasize that I have not received any correspondence from Synchrony Bank, whether in the form of letters or emails, regarding this alleged outstanding balance. I maintain meticulous records of my financial transactions, and I can provide evidence that my account has been paid off in its entirety. This unexpected discrepancy has caused a significant decline in my credit score, which has a direct impact on my ability to secure financing for our first home.

Given the gravity of the situation and the urgency it demands, I kindly request your immediate attention to rectify this matter. I implore you to conduct a thorough investigation into my account to verify that it has been settled. Furthermore, I request that Synchrony Bank promptly correct my credit report, removing any negative remarks or indications of an outstanding balance, as it is unjust and inaccurate. 

It is my sincere hope that this issue can be resolved expeditiously and amicably. I have always strived to maintain a positive credit history, and this incident is an unfortunate anomaly that I trust can be promptly addressed. 

I kindly request that you provide written confirmation of the resolution reached, including any adjustments made to my credit report, within 15 business days of receiving this letter. I would also appreciate a direct point of contact should further communication be necessary during this process. 

I look forward to your prompt response and a swift resolution to this matter. Thank you for your immediate attention and understanding. 

Yours faithfully, 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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
Didn't realize interest is compound daily at XXXX. Already paid back initial loan of {$1500.00} plus interest. XXXX XXXX XXXX is XXXX and loan # is. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
FAY SERVICING sends a monthly statement on the XXXX of XXXX indicating I have a PAST UNPAID PAYMENT OF XXXX. My payments are set up to be deducted by FAY SERVICING directly from my checking account. I check my bank statement and they had not deducted the XXXX until XX/XX/XXXX. 

Why aren't they able to deduct the payment earlier in the month to eliminate the past unpaid payment showing on the statement? I don't decide when they take the money from my checking account THEY DO! 

This maneuver shortens the 15 day grace period!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
When i deposited my pay check from a well known payroll company to a brand new wells fargo account they flagged a perfectly legitimate check for " Misc. Fraud '' when asked for further details on why holds were put on outgoing payments they could not answer accept for a : Complete Fraud '' letter and my credit has been effected. They have formally accused me of fraud that is unjustified for attempting to deposit perfectly good XXXX pay roll checks on mutiple occasions

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccuracy personal information on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 u.s.c ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
I was a victim of Surprise Medical Billing. 
I was scheduled to have XXXX XXXX on XX/XX/XXXX. 
XXXX was performed and was successful. 

My first notice of payment owed was XX/XX/XXXX, stating that the account was overdue. 
The amount was {$1000.00} and I was completely surprised by this. 
I found out that the XXXX used in my XXXX XXXX XXXX XXXX XXXX XXXX 

I was never made aware of this fact before or after the XXXX nor did I ever give any authorization to use a Non Network provider. I received a Final Notice from XXXX XXXX on XX/XX/XXXX, prior to them sending this over to a collection agency. 
I contacted XXXX XXXX on XX/XX/XXXX and advised them that I was disputing this claim through my Health Insurance Company. 

I made a complaint to my health insurance company, XXXX from XXXX XXXX. 
They replied to my complaint on XX/XX/XXXX and did nothing other than verify this was a Non Network provider. 

I then received a collections notice from Professional Finance Company, stating I now owed {$1000.00}. I called this company and advised them that this Surprise Bill was under dispute and I was waiting to hear from a complaint I had made to CMS.GOV, confirmation # XXXX on XXXX XX/XX/XXXX. 

I have now made this complaint with you on XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Bad information about my college enrollment status. My loan servicer ( Nelnet ) has inaccurate enrollment dates listed on my account, so I can not apply for an income-driven repayment plan or PSLF forgiveness before repayment begins. I graduated on XX/XX/2023 and completed Exit Counseling as instructed ( on XX/XX/XXXX ), but my status still states that I am In School. I expect to begin repayment in XXXX and do not want bills to be back-created on a standard repayment plan that I do not want. I want to switch plans but can not do so until this has been corrected. I have spoken to multiple representatives about fixing this, from Nelnet and my former university, and have not received any proper update. I have no physical documentation as all interactions have been via phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
The name on this mortgage is XXXX XXXX XXXX. XXXX, XXXX XXXX sent a registered security ( tracking # XXXX ) on XX/XX/XXXX to CEO XXXX XXXX XXXX with instructionals to credit the account with the interest/dividend that was on the remittance coupon, also provided documention ( certified copy ) from the secretary of state showing that there are no liens under name and to provide a lien release documentation from company showing that. Received a call from a XXXX XXXX on XX/XX/XXXX and mail on XX/XX/XXXX indicating that the loan was valid and that the documentation from the secretary of state showing no liens was not valid nor was it notarized.But the secretary of state is the highest notary and the document that I sent was straight from them in addition to him saying my form of payment was invalid and that it has to be U.S dollars but right on Wells fargo website it shows the form of payments that can be used to pay. On XX/XX/XXXX I mailed the full payoff balance with the coupon ( tracking # XXXX ), power of attorney, federal reserve act section 16 ( Notes issues ) and section 29 ( Civil Money Penalty ) with instructional ( opportunity to cure ) to CFO XXXX XXXX XXXX instructing to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete. I then got a response via phone on XX/XX/XXXX and mail on XX/XX/XXXX from XXXX XXXX and executive office case specialist indicating to call back but i requested a response from the CFO in writing not a case specialist.At this time the account has still yet to be credited. Then i mailed a notice of default on XX/XX/XXXX ( tracking # XXXX ) with the same instructionals to CFO XXXX XXXX XXXX to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete, with federal reserve act 16,29 and another full endorsed payoff bill. I then received another call on XX/XX/XXXX from XXXX XXXX with no remedy. This is a violation of securities and a breach of contract.i have reached out to the Office of the Comptroller of the Currency but they refered me to the CFPB. They are committing fraud by not letting me use the interest that they gained from securitizing the note for the mortgage and acting in bad faith by not even responding to the crediting of the account and only responding to what they want to respond to.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
Attached documents prove that Apple Card violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from Apple Card, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the Apple Card/GS bank generated technical errors, initiating a series of events - all caused by Apple Card - that were immediately rectified by the consumer ( myself ). Attached documents prove that Apple Card and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by Apple stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Though there were no late payments in this case, Attached documents prove that Apple Card violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by Apple Card XXXX that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing Apple Card 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the Apple Card Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX XXXX  to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from Apple Card was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: MD

Complaint narrative:
Found out about this fraudulent charg, {$550.00}, from XXXX credit reporting agency and have made 2 calls to Qualia Collection Services. Left my name and phone number, along with the Qualia account number. Have not received a call back concerning this claim and have disputed the {$550.00} claim at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 explanation