vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: PR

Complaint narrative:
XXXX is reporting a delay on my credit, which is not true. 

XXXX was called and spoke with XXXX XXXX. 

We complied with the agreement completely and a delay that they are placing on my credit is not true because where we make payments was closed due to no electricity. 

I am a XXXX person and I am demanding that you correct my credit with this XXXX XXXX XXXX Transunion he is discriminating against me for being from XXXX XXXX and 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 2024-06-20 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: NC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: WA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My credit card lender is capital one on XX/XX/XXXX I checked my credit score with XXXX and found out that my lender had took my credit card account off my report to them upon me contacting XXXX I found out that I had mistakenly filed a dispute with them and they said that my capital one card was no longer on their report. Upon finding out I reached out to my lender and explained to them that I am a handicapped person thats physically challenged and its hard for me to get around and that I needed my account info with my credit history reported do to the fact I was going to purchase a handicapped vechile because I needed my good credit score which was no longer on my report my lender kept telling the only way I can file a dispute is to write them and mail them info I explained to them my various XXXX and they still insist that I do so Afther calling my lender about 5 times Afther explaining to them that even win I have to apply for social security and anything else to my XXXX its done over the phone I had given them all my account info answered all security questions anything they need to know so finally I got them to file a dispute but thats takes 30 days or so I asked them do to my XXXX could it be any way they could send my old open account back to XXXX so that I can get my credit score back that was taken off. Upon me going back and for with XXXX 5 times or they told that it was a mistake about the account being taken ok my report and to contact Capital one which I did the dates were XX/XX/XXXX and the XXXX XXXX XXXX when I found out my credit score was gone off my report. I think that the companies should have some type policys implemented to assist people with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-20 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: IL

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-06-20 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
I was assigned as an executioner of my deceased sister 's estate and living trust, along with my niece whom along with her children are the sole beneficiaries of the estate. One week before my sister ( XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/year>, we provided New Rez mortgage company copies of my sister 's estate along with the trust. After being ran around in circles with this company, I decided to escalate the matter to a manager. We were promised by New Rez that we are authorized to speak on behalf of the account. Once, we were authorized to speak, one of the very first questions I asked if the ( at the time ) past due balance of $ XXXX was caught up, will they foreclose on the property. Secondly, my sister had submitted an application for debt relief due to XXXX and she was approved. New Rez along with the secondary mortgage never responded to either one of the questions. This went on and on for several months along with being denied from speaking on behalf of the estate because New Rez suddenly said the estate and trust material provided was flawed. We went back to the estate attorney who drawn up the estate booklet and trust originally for my sister, but she was unwilling to support or standby her legal work. This mess has been going on since XXXX and both New Rez and the secondary mortgage company terminated all communication until foreclosure.

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 2024-06-20 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-06-20 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

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 2024-06-20 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: TX

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NC

Complaint narrative:
Received an email invitation to open account with First Progress card, Synovus Bank. Filled out application for what was " advertised '' as a credit card. Deposit of {$200.00} was required which I paid. When I received the card, the only " credit '' I had available was the {$200.00} I paid less a {$49.00} membership fee. Effectively, I was sent a " debit '' card, NOT a credit card so it was false advertising from the start. I did use the card but was only able to use it once for a lyft ride and then several times at XXXX, a local grocery chain. Other locations didn't recognize the card at all. 
Since it was effectively my money, I don't understand why I am being charged interest and late fees upwards of {$150.00}. The card was cancelled in XXXX of this year. I have a " supposed '' credit balance of {$43.00} on the card which the company refuses to refund. I have no intention of paying these late fees and interest as I know I have been misled, and taken advantage of from the very beginning. I expect to have this debt of {$150.00} stricken and removed from my credit report. This was a card billed as a way to help build my credit rating, not damage it. I think the whole thing is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XXXX, I took out a mortgage on my first home and Wells Fargo took over that mortgage. In XXXX, I began having problems paying my mortgage. I attempted to send in a payment, and the company returned it as they had started foreclosure proceedings. After working with the company, I decided to do a loan modification, during which time I was unable to make any payments on my mortgage. I was told that all of the missed payments would be applied to the " back end '' of my loan. I specifically asked, on their recorded line, if that would amount to a second mortgage being taken out on my property. They LIED. They ASSURED me that it was not a second mortgage at all. To my surprise in XXXX when I went to sell my house, I did in fact have a XXXX for a second mortgage on my home by no less than Wells Fargo. I was unable to sell my house until the second mortgage was satisfied. And the terms of the " second mortgage '' were that they would have been due and payable within 30 days of paying off the first mortgage. I never received ANY notification during the 2 years after the modification about this hidden second mortgage. None at all. I tried to find an attorney to check into this to no avail. 

Fast forward to this week. on Tuesday XX/XX/XXXX, I received a check in the mail for {$310.00}. I called Wells Fargo to inquire what the check was for only to find out they made an " error on my loan modification. '' You THINK? They said the payment was " good faith ''. In the letter with the check were instructions to request " mediation '' at no cost to me if I felt I was owed more money. Well, I do. I had to pay a second mortgage to the tune of almost XXXX, a second mortgage that Wells Fargo assured me would not be in the first place. And now I find out there has been a class action lawsuit regarding what they did to people. I want an investigation into how and why this happened. And I want to be made WHOLE by this bank. They shouldn't be allowed to do this to people.

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 2024-06-20 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: IL

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft. Please help me with the removal of the following fraudulent inquiries from my Equifax credit report : XXXXXXXX XXXX- XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX I have already sent a request to Equifax asking to remove the inquiries. However, they declined my request. 

I have no connection to these companies and have never sought any form of credit or financial services from them. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or fraudulent information on my credit report. 

I have submitted FTC report. Please find it in the attachments, along with other documents. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/year>, I ordered a product with another website ( XXXX ) but used Paypal/Paypal credit as a payment method. We recently moved to Iowa so I had already updated my address on the Paypal website. I had ordered other items previous to this transaction through Paypal ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). Both arrived at the correct address. 

When I ordered through XXXX, I did not get a confirmation of the shipping address. I only learned that it was shipped to my previous address via a notifcation ( and picture ) from XXXX. I checked the Paypal website and did verify that my address had been updated to the current one. 

So I called Paypal and they said they would submit a dispute for me to resolve. I got a copy of the dispute notification minutes later but it did not contain the details I had provided. I the contacted Paypal again and the agent I spoke to said the dispute would probably not go in my favor because they had no record of my shipping address and therefore, Paypal was not responsible for the auto population of my shipping address on the XXXX website. 

I called Paypal credit to clarify and they said they said this was not under their jurisdiction but the jurisdiction of Paypal itself. I called Paypal again and spoke to another agent who said that the shipping address they had was the one for my previous address. So the second agent I spoke to was lying to me. I requested to speak to a supervisor, and the third agent said a supervisor would call me back in an hour. I received no such call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: CA

Complaint narrative:
I have sent my FTC identity theft pack notarized regarding this fraudulent information on my report. This fraudulent information is affecting my credit and I need to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

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 2024-06-20 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 utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out to Experian regarding inaccurate personal information that they are reporting on my credit report, and each time I call and ask for this to be removed, they keep verifying and updating the incorrect information. 
Now, according to the Privacy Act of 1974, There is a law that protects personal information held by the federal government by preventing unauthorized disclosures. It also gives individuals the right to review their information, request corrections, and be notified of any disclosures. I have called at least five consecutive times regarding this, and I hope my letter finds you so the correct information can be updated and verified.

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 2024-06-20 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple card Dispute case number : XXXX, I had made a purchase from the merchant XXXX XXXX XXXX on the day XX/XX/XXXX, XXXX the total amount of my purchase was {$1700.00}, I had disputed this purchase because the merchant had failed to deliver to the right house hold of mine, XXXX XXXX XXXX XXXX CA XXXX after I had claimed towards the merchant that I had never received anything from them they provided me with a proof of delivery with a picture of the package on a front porch, I realized that the picture they had provided me is from a completely different household from mine, I later provided the merchant XXXX XXXX XXXX with a following picture of my actual front porch that clearly does not match the one they delivered to, i also have family at my house hold 24/7 along with camera footage from the day they said it was deliver and there was absolutely no one delivering anythingXXXX XXXX XXXX XXXX later claimed that they will not be able to help me with this issue even though it was a mistake that they acknowledged on their part. After they told me they couldnt help me I had contacted and disputed the charge with my apple credit card in their support chat on the day XX/XX/year>, exactly ten days after the purchase. I had provided the apple support chat with the proof that the real real had mistakenly delivered to the wrong house, just for them to later sided with the merchant on XX/XX/year>, even though they were clearly in the wrong and had never even delivered to the wrong house hold I never even received anything at all and i do not want to be left paying for a package that i never even received. which is why im taking this issue up with CFPB in hopes of not paying for a package that I NEVER RECEIVED.

Company response to consumer: Closed with monetary relief