vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-06-17 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: FL

Complaint narrative:
I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX are alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX   has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX  failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. Account Number : 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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NJ

Complaint narrative:
This goes back to a month ago. I called customer service to dispute ALL transactions from XXXX. Then 10 business days later, One was refunded. I was then told I had to diapute each one, one by one. So I did. Then I get multiple emails today saying I had to verify my identity for EACH disputed transaction. So I did. Which took hours. Now I received an email saying I was denied and my account is closed. EVERY single verification was approved, except one. Because it was poor lighting! So now my account is closed?? This is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
XX/XX/year> called me at work repeatedly this occurred several times daily. 
XX/XX/year> threatened legal actions if I didnt pay them. 
XX/XX/year> asked for written documentation that I signed stating I owed a debt. 
XX/XX/year> requested they cease all forms of communication except written to the address on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: ID

Complaint narrative:
XXXX am mountain time bout XXXX prepaid cards from Netspend, spent XXXX hours emailing them ID information to verify my identity. At XXXX XXXX XXXX with ( XXXX ) XXXX for XXXX mins and very frustrating the rep starts to threaten to close me account and mail a check.he then said in XXXX more hour I will have my money, I still do not

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 2024-06-17 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: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX Account Number : XXXX Account name : XXXX  Account Number : 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 2024-06-17 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: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
THERE IS YET AGAIN MORE BOGUS INFORMATION ON MY CREDIT REPORT. 

NUMBER XXXX : THEY ARE LISTING XXXX AS AN EMPLOYER. IT IS NOT. 

XXXX : THEY LIST AN ADDRESS WHERE I LIVED ON XXXX XXXX AS A " BUSINESS '' -- IT IS NOT. I NEVER HAD A BUSINESS. I NEVER IN MY LIFE HAVE HAD A BUSINESS AND THIS IS YET MORE BS THAT THIS PATHETIC GROUP OF PEOPLE XXXX AGE IN. 

THEY MAKE STUFF UP., NUMBER XXXX -- I DID NOT MAKE THAT STATEMENT SHOWS IN THE SCREEN SHOT I TOOK AND HAVE UPLOADED. I UPLOADED XXXX SCREEEN SHOTS AND I AM SO ANGRY, SO DISGUSTED THAT I CAN HARDLY TYPE. YOU PEOPLE ARE DOING NOTHIGN, NOT A XXXX THING AGAINST EXPERIAN WHICH RAISES AND LOWERS MY XXXX SCORE AT WILL. 

I AM NOT AN EMPLOYEE OF XXXX AND I WANT THAT XXXX THING REMOVED. 

IF THIS DOES NOT SHOW YOU HOW OUTRAGEOUS THESE XXXX ARE I DON'T KNOW WHAT DOES. 

THEY JUST DECIDE TO DROP MY SCORE BBY XXXX POINTS, AND DON'T EVEN ANSWER MY XXXX QUESTIONS OF WHY? 
WHAT CAUSED THIS? 

THESE XXXX BASTARDS MAKE UP STUFF, THEY PRINT IT IN THEIR REPORT THAT I OWNED A XXXX BUISINSS AT AN APARTMENT I LIVE IN AND THEN THEYT MAKE UP AN EMPLOYER. XXXX XXXX XXXXXXXX XXXX WAS MY EMPLOYER AND BEFORE THAT THE XXXX XXXX AND BEFORE THAT, XXXX XXXX WHY DO YOU DO NOTHING ABOUT THESE XXXX 
THEY HAVE NO REASON, THEY HAVE STATED NO REASON AT ALL WHY MYU SCORE DROPPED XXXX POINT AND THESE XXXX XXXX XXXX PEOPLE THEN SAY OH, BUT IT HAS COME UP XXXX POINTS AND THEN THEY DROP IT AGAIN LATER XXXX EXPERIAN 'S XXXX WHIM. 

I WANT SOME REAL ADVICE FROM YOU WHO ARE DOING NOTHING -- GIVE ME A LIST OF LAWYERS WHO WILL SUE EXPERIAN? WHAT KIND OF LAWYERS DO THIS? CREDIT LAWYERS? WHAT IS THE NATURE OF THE LAW THEY WORK IN SO HELP ME OUT AND GIVE ME THE NAME OF THE KIND OF LAW SO I CAN SEARCH. DO YOU LIST A GROUP OF LAWYERS WHO ; PEOPLE CAN CALL? 
I AM SICK TO MY STOMACH THIS COMPANY HAS MADE ME WANT TO VOMIT, I DESPISE THEM AND THAT THEY HAVE BEEN BREACHED AND ALL OUR PRIVAT INFO HAS BEEN STOLEN IS JUST EVEN MORE INSULT TO INJURTY. 
I AM GOING TO COMPLAIN TO MY SENATOR XXXX XXXX, BECAUSE IT IS HIGH TIME CONGRESS DO SOMETHING BECAUSE THIS COMPANY EXPERIAN IS GOTTEN WAY OUT OF HAND. THEY DON'T EVN SAY WHY WHYT WHY THEY DROP YOUR SCORE, IT HAS NO REASON FOR IT, THEY JUST XXXX PEOPLE OVER. WAKE UP, FOLKS.

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 2024-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
My complaint is that Mohelas website is not user friendly and information is not made plain to me as a borrower. I very much intended to make payments on time, and set up auto payment but now all of my payments for XXXX and XX/XX/year> are being applied only to interest and not the principle of my loan. I believe this is unfair as I have to click on many different pages in order to receive information about when I owe payments manually vs when payments are auto deducted. Due to the lack of accessibility of payment information I am now only paying interest and not principle. Yes i was sent a notification but the titles of these were misleading, it wasn't until my payment was past due that I was informed I needed to make a manual payment for XX/XX/year>. What can be done? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Instarem PTE Limited
State: NH

Complaint narrative:
I wanted to transfer money to XXXX via Instarem. I was asked to do a wire transfer from my bank. I immediately did and the transfer was processed. But Instarem sent me a message that XXXX is cancelled due to non-payment. This is a very insensitive, callous, irresponsible way of handling such a big amount of a customer. You can send me email or call asking for information. Before transferring I asked questions, that you are giving me a vague account information to transfer you money. The service rep mentioned it is fine to transfer. 

Instarem should be penalized for such act. This is utter highhandedness for someone whom we are entrusting to handle our money.

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 explanation
Consumer complaint received 2024-06-17 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX I purchased a XXXX XXXX XXXX XXXX XXXX  card for {$4200.00}. XXXX uses an authentic guarantee program that the card was sent to prior to coming to me. When I received the card, it was the incorrect card and another card. I contacted XXXX who did their investigation and confirmed that I was sent the incorrect card. XXXX had requested that I send back the card that I received in order to process my refund. I sent back the card which I have proof was delivered to them and then I didn't hear anything from them for over 2 weeks. At that point I opened a dispute with synchrony bank and a day later XXXX advised me that their ticket was closed as soon as I dispute the charge with my financial institution. Long story short, I have disputed this charge more than 6 times and have not had any luck getting the amount of {$4400.00} overturned. I have provided proof of delivery, confirmation that they received it, emails from XXXX advising them they they were going to provide my refund, emails from XXXX apologizing for the inconveniencie. I am approaching my wits end with this as they have turned down my dispute again as of recent and this is a large purchases. I need help getting this dispute over turned. I have lots of documentation that I have provided synchrony bank and I am happy to provide that again.

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 2024-06-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been battling PHH for the past 3-4 months. They keep on saying that I don't have a trust agreement that is in compliance with a reverse mortgage and that XXXX XXXX XXXX XXXX is not a primary beneficiary of my trust. 

XXXX XXXX XXXX XXXX has been incapacitated since XXXX  and the attached durable power of attorney and determination of incapacity are attached. XXXX is also a trustee of the XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX. Everything was prepared by an attorney to be in compliance with a XXXX  ( Reverse Mortgage ), but PHH has been uncoopertive and does not allow me to speak to a manager or their legal department diretly. 

My real estate broker has been assisting me with this matter and feels that I am being subjugated to elderly abuse and discrimination by PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: NM

Complaint narrative:
I had a XXXX salesperson come to my door. He was very aggressive and intimidated me. I told him i was not interested in his product. He would not take no for an answer. I am a young adult that was pressured into a transaction. He then told me that I had a two month grace period. If I wanted to terminate my contract I could within that two months. That was not true, I called the salesperson and he said you signed it and youre stuck with it. I consulted a lawyer and was told to return all the equipment to the address on the contract and require a signature. I did and received correspondence from XXXX saying my account has been terminated, but I am still liable for payment for 5 years. They use Fortiva Financial to finance the equipment. Fortiva says that XXXX hasnt notified them that the equipment was returned and the charge stands. How do I get Fortiva and XXXX to credit my account and not hurt my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a payment of {$1300.00} via XXXX ( through the Chase app ), for a product when I intended to purchase from XXXX XXXX. The person arrived with the incorrect product, and said they were going to return the next day with the correct product. They then blocked all forms of communication and never delivered the product. I contacted ChasXXXX on XX/XX/XXXX, however, they were unable to retrieve the funds and advised that they can not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-06-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 may 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 if 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 non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 may 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report.

XXXX XXXX BANKRUPTCY Case Number : XXXX  Delete this account. 

2. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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