vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second complaint to you in regard to Equifax not resolving the issue with my credit report. I am trying to refinance my home and they can not pull my Equifax credit report. This has happened several times with other loan companies and Equifax has not fixed the issue. If this issue is not resolved I will file a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I deposited my paycheck online to find account. I was told I would then have a virtual card, but this was not the case. 

I'm an effort to access funds needs for essentials, I attempted to move funds using XXXX. 

When I did this my account initially was frozen and after a heated phone call, I was hung up on and my account was locked. I believe this was a punitive action by associate upset by my call. 

They were given information needed, but called and would not provide adequate information for my company payroll department to verify which escalated further in ally fraud department. 

They have indicated that even if check clears, I will not have any access to funds until they have " evaluated '' and verified my account. 

I have provided them with all information they have requested. There has been no indication when nor how a decision will be rendered.

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 2023-05-22 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: MI

Complaint narrative:
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 U.S.C 1681 section 602 A. States I have a 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 7 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. 
XXXX XXXX acct # 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 2023-05-23 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I tried to open an account with my local credit union and was told that I'm in the chexsystems, I pulled my chexsystem  report and it shows that XXXX XXXX  if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a XXXX XXXX  in my area, the closest XXXX XXXX  near me is more than XXXX miles away, I need validation of the debt, I need the XXXX contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my chexsysttem report or I will file a suit.

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 2023-05-22 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: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management and XXXX XXXX  have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a XXXX points and Ive disputed this again but every XXXX or XXXX  years they sell my information from this XXXX and XXXX accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
Wells Fargo made me think I had enough money to pay for items but unfairly charged me overdraft fees.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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:
I have filed XXXX complaints in this issue. I filed XXXX complaint in XXXX, another in XXXX and another in XXXX. Each time I have asked for proof of verification and methods used in regards to an account that Transunion and XXXX are reporting which is XXXX XXXX XXXX account XXXX, which both they say have come back that is verified and I am shown on it as a co-signor. I have also asked for paperwork bearing my signature and proof of this verification. The information I received on XX/XX/XXXX was not only a copy of my report and a letter, no actual proof of verification as I have asked fro XXXX  times already. According to the FCRA credit reporting from all three bureaus has to be 100 % accurate and factual. There is no way any proper investigation has been done, and I have attached my credit report from XXXX  and transunion. Once I provided this information to XXXX the account was removed. First error is that this account is reporting as past due, but to be past due I must have set up an active account with a set payment date and I must be over XXXX  days late on an agreed payment to have a past due balance, so I have never had XXXX. Because I am listed on this account as a cos-signor I asked for this proof as I have reported the account as fraudulent, and have have yet to receive any. I never made any type of agreements or signed any paperwork stating so this information is false. Also upon review of transunion and XXXX  reports+ attached is some of the information that is conflicting. I have attached this information. 

XXXX.On XXXX  This account is reporting that I was on XXXX  months terms but shows past due as of XX/XX/XXXX, and has been reporting as past due since XXXX of XXXX, and on the same exact report shows my highest balance as XXXX XXXX My transunion report shows a high balance of XXXX. Clearly this information is inaccurate. 
Obviously I can not have a high balance XXXX from transunion and a high balance of from XXXX  of XXXX XXXX 

XXXX. I have also attached my transunion report which shows conflicting dates the account was open on XX/XX/XXXX and XXXX  states XX/XX/XXXX. So who is right? How can the same account be reported open on XXXX separate dates? This is also Clearly inaccurate. 

XXXX. XXXX shows this account should be on record unitl XX/XX/XXXX while transunion shows this account should stay on record until XX/XX/XXXX. This also shows great disparity amongst the XXXX. 

According to the FCRA the information provided on the account from XXXX XXXX is innaccurate and not 100 % true and this account is to be removed for that reason.

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 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
In XXXX of XXXX I contracted XXXX XXXX. I am XXXX years old and have a chronic illness so it affected me pretty seriously. At that time, my loan servicer was XXXX and I requested and was approved for a XXXX XXXX XXXX in XX/XX/XXXX. The forbearance was only for XXXX and XX/XX/XXXX. In XXXX I was working with XXXX to repay the XXXX XXXX months through a payment plan. I submitted all requested documentation and was told they were in the " decision '' process. The only communication I received from XXXX after that was to inform me that as of XX/XX/XXXX they were transferring my mortgage servicing to Shellpoint. I was also assured that Shellpoint would be sent all my XXXX paperwork. 
I made my first payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a call from a Shellpoint representative telling me I was XXXX  months behind on my mortgage and asking how I wanted to fix this. I informed her of the forbearance and she then offered me a XXXX month repayment plan contingent on my making another mortgage payment before XX/XX/XXXX I agreed to this resolution. On XX/XX/XXXX I received another call from another Shellpoint representative asking me the same questions as the previous rep had. I gave him the same info and told him I had already accepted a XXXX month repayment plan offer with Shellpoint at that time he said " Oh yes I see that now. I see what she did. Ok just make sure you make that payment before XX/XX/XXXX. '' I agreed to do so. On XX/XX/XXXX I made the second payment I did not receive a further email, phone call or text message from Shellpoint. XX/XX/XXXX I received a packet by certified mail from Shellpoint telling me I was now in default and had until XX/XX/XXXX to cure it. I called them immediately and spoke to yet another representative who now informed me that my payment plan was not approved because they " don't offer XXXX month payment plans '' I asked her how on earth I would know that if the rep offering it to me obviously didn't know it and that no one had ever contacted me to tell me it had not been approved or to offer me anything else. She apologized and then offered me a XXXX  month payment plan I agreed... again. I was told that it typically takes XXXX days for approval. That was on XX/XX/XXXX it is now XX/XX/XXXX and my mortgage is still showing in default. 
My understanding of the XXXX XXXX XXXX protection plan was that I could not be forced to pay the whole thing back at once and that the servicer was required to offer options for repayment. I haven't been offered any options that were actually " approved '' and they defaulted me. XXXX and XX/XX/XXXX were XXXX  months therefore I believe that I paid XXXX and XXXX and I should not be receiving certified mail threatening me with XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ( cell ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IN

Complaint narrative:
I called them at least six times since these three hard inquires appeared in my credit file. I also sent the required information to them twice & never received a response. Their customer service representatives are horrendous to deal with as their English is extremely poor which only exacerbates their mistake. My son who has a similar name purchased a new vehicle from XXXX XXXX on XX/XX/2023. That is the very day I discovered these three hard inquires that properly belong to him. They also have my sons employer name, job description, telephone number listed in my personal information as well. Transunion immediately lowered my credit score with by XXXX points as well. Which was not right at all. They know full well that this information should have not been inserted erroneously into my credit file. They failed miserably by not verifying this information.

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had {$2000.00} of money stolen from me from Fifth Third Bank by XXXX XXXX. 
In XXXX, my XXXX checking account was hacked and I STILL DO NOT have my money back. The hacker used XXXX to steal from my account and XXXX refuses to return what was taken from me. Other Transactions were attempted and declined because they took time to contact me to verify. My online ID and password were changed several times back to back and then there were TWO separate {$1000.00} XXXX transactions allowed by their secured systems even though they were never approved by me. I contacted the bank immediately and the claimed the account would be locked. I filed a police report, printed out my verification text messages/phone calls as evidence that I DID NOT authorize the XXXX transactions coupled with filing a chargeback with Fifth Third. They declined the initial claim and it was reopened on XX/XX/XXXX. I was told a decision was required within 30 days which has passed and they do not have answers. 

I have been a loyal customer of XXXX Bank for over 25 years. I still dont have my money back and it is XXXX. This has caused so many issues for me and my family! Returned payments, etc. I went into my branch multiple times as well. 
2 {$1000.00} transactions were sent to a XXXX XXXX who I do not know, with a phone number that isnt active. 

-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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. 


has violated my rights. Or list of inquiries 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 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I created a Gemini account last week and made a deposit of {$5000.00}. After waiting for the deposit to clear I then attempted to withdraw my funds but was then informed that my account was under a security hold and that I would need to reach out to customer support. I then provided customer support with additional documentation including a picture with my ID and ticket number. I have yet to hear back from them as a result and simply want to withdraw my money from the exchange once and for all. I have read the horror stories from others who claim that Gemini has held on to their money for months and had I known I would have refrained from using their exchange to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
Account reported to my credit report as charge off. DISCOVER representative did not give me an option to settle nor dispute the inaccuracies and should be removed and or updated as I did not have an option to correct it before it affected my credit report greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: GA

Complaint narrative:
I was hacked on multiple occasions In XX/XX/XXXX my phone was turned off & I was advised this was an internal issue In XXXX & XXXX I was hacked again & money taken from my account. The first time a dispute was filed & account repaired. In XXXX I was advised I would be held responsible for fraudulent activity, in both instance of Fruad. 

I did not request or receive the merchandise the company was immediately made aware. Multiple fraud inquiries improperly handled & without proof or validity Please reference Fraud Inquiry request and assigned XXXX XXXX Inquiry request and assigned XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 2023-05-22 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX and Comenity Bank have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a 100 points and Ive disputed this again but every 3 or 4 years they sell my information from this XXXX and Wayfair accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.

Company response to consumer: Closed with explanation