vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent account that do not belong to me. I formally dispute the presence of this unauthorized account and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, and any other relevant materials, to substantiate the claim that this account is a result of identity theft or fraudulent activity. The fraudulent account in question : ALLY FINANCIAL XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove this fraudulent account from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into this fraudulent account and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent account 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
Consumer complaint received 2024-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-19 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: IN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-03-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: DISCOVER BANK
State: ND

Complaint narrative:
In XX/XX/XXXX, I was approached by some individuals from an agency called " XXXX XXXX '' who promised to help me prepare an Application for my Student Loan Debt Forgiveness for a fee equal to XXXX XXXX of the total debt that I owe. That came out to be {$890.00}. I used my Discover card to pay for the services. Later, I discovered that it was a scam/fraud. I reported the matter to Discover card and later to the XXXX XXXX Police Department, ND in XX/XX/XXXX. Discover card refused to listen and honor my complaint. 
I contacted my attorney who wrote them telling Discover that I should be relieved of the responsibility of that charge. But they refused. My lawyer advised me to approached CFPB with my concers and complaint against Discover. 
Attached along with this is my communications between Discover card and me, my lawyer for your records and review. 
I will appreciate your prompt intervention in this matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: IA

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: NV

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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 want to express my extreme dissatisfaction with the continued presence of a fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be immediately removed. So please remove the accounts from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-19 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: NY

Complaint narrative:
I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXXXXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-19 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 explanation
Consumer complaint received 2024-03-19 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:
I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal 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
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 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 explanation
Consumer complaint received 2024-03-19 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 


WELLS FARGO 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 2024-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
My TARGET RedCard was hacked via online for gift cards on Tuesday, XX/XX/XXXX, and FRAUDULENT CHARGES were applied in the amount of {$700.00}. When I discovered the incident, I immediately contacted TARGET and they stated they would resolve the matter by reverting the charges. Also, on Tuesday, XX/XX/XXXX, I made an online purchase of items in the amount of {$60.00} ; the package of items delivered to my home on XX/XX/XXXX, was rummaged and stolen enroute. Again, I immediately contacted TARGET and made them aware of the situation and they stated they would resolve the matter by reversing the charges. As of today, most of the charges applied to my Red Card were NOT reversed and I am being asked to pay an accruing and running bill full of penalties/late fees. I tried to resolve this matter with TARGET regarding the issues that occurred on XX/XX/XXXX and XX/XX/XXXX, via telephone and by completing a TARGET Credit Card Fraud Claim Form but they have failed to properly investigate the matter and to resolve the matter. 

It is very strange that the FRAUDULENT CHARGES for {$170.00} and {$350.00} were removed by TARGET but the charges for the {$180.00} were not removed with ALL of these charges were made on the same date; same type of purchase ( online/gift cards ) ; and within minutes of each other. 

As of XX/XX/XXXX, I received a bill stating that I owed {$280.00}, which includes the {$180.00} FRAUDULENT CHARGES for the gift card on XX/XX/XXXX ; {$60.00} for the items ordered on XX/XX/XXXX ; and the continual late fees/penalties. 

I am asking for the FRAUDULENT CHARGES along with the CHARGES that were CANCELLED in the amount of {$280.00} along with any accruing charges and penalties be removed from my account and also for my credit report to be restored and for ALL reflections of late payments/penalties be removed from my credit report immediately. 

Attached you will find supporting documents and a letter explaining everything in detail to better assist you with your investigation. I tried to upload the supporting documents but the file was too large so I will have to mail them directly to your office but the attached letter will give you an idea as of what is going on with my COMPLAINT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report. 
SHELLPOINT MORTGAGE ( XXXX )

Company response to consumer: Closed with explanation