vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays Old Navy reported a 30 day rating under XX/XX/ on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. 

This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from Barclays error.

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 2023-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Today, XXXX XXXX, I called Synchrony Bank about two payments I made on XXXX XXXX, XXXX  ( {$110.00} ) and XXXX XXXX, XXXX  ( {$120.00} ) in error. I asked for a payment reversal for the {$110.00} as two payments were made for the same month in error. The representative processed the request and advised that I will be receiving a check in the mail in about 2-3 weeks. My original payments were NOT submitted via checks but as ACHs. Both payments cleared my bank as ACHs. I asked the rep why it would be a check since I'm calling within the 5 banking days of the error being noticed and within XXXX guidelines. They said checks has always been their policy and no such regulation exists and the return can not be handled via ACH. The rep even reached out to their Recon specialist and this information was relayed back to me- there is no such policy/regulation and the payment can not be returned via ACH. The check is the only option. 

This is incorrect information about XXXX and it appears Synchrony Bank has been informing their consumers incorrect information when it comes to this type of error. 

According to several bank sites, articles and XXXX  reversals must occur within 5 business days of the transaction.

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 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp.
State: SC

Complaint narrative:
A company called Aspen Financial Direct reported a loan that I NEVER took out. They have 0 proof of me taking out the loan and on top of that, they have multiple reviews from other people reporting the same thing. This site needs to be shut down. They are stealing from people and selling loans to debt collectors that people never took out. I never got any money from Aspen. I never signed any documents with them. I never took out a loan with Aspen. The company sold this loan to a debt collector named XXXX XXXX XXXX. This is affecting my credit as it showed up on my credit report in collections. I NEVER took out this loan. I don't have dates and times because I never worked with Aspen but XXXX XXXX XXXX who bought the debt from Aspen and should also get in trouble for not reviewing Aspen before buying this debt ( especially with so many similar complaints out there about Aspen ), they list XX/XX/XXXX  as when this hit collections on my credit report. The amount they say I owe is {$4100.00}. I need this removed from collections but the credit bureau is not being thorough with their dispute investigations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I'm trying to open up a new bank account and I can't it won't allow me to say something about identity theft

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 2023-12-05 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: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days.

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 2023-12-05 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: FL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I cancelled my homeowners ' insurance with XXXX effective XX/XX/2023. I opened a new policy to replace that. Truist paid my new homeowners insurance. XXXX billed my escrow account and Truist paid the {$5200.00} premium to XXXX. I had to report XXXX to the XXXX XXXX XXXX XXXX to get them to refund the premium amount which they finally paid on XX/XX/2023. I have spoken to people in escrow department with Truist and asked for instructions to fix the escrow account and return my mortgage payment to {$1400.00} instead of {$2000.00} that they increased it to due to an escrow " shortage. '' They claim they can't fix it. I did nothing wrong by changing my homeowners insurance. Truist made a mistake by paying for homeowners ' insurance twice. Their mistake needs to be corrected.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I logged on to annualcreditreport.com. Its not letting me look at my credit report at all. Like they blocked me from looking at it.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I logged on to XXXX Its not letting me look at my credit report at all. Like they blocked me from looking at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
The sum is {$71.00}. 
I repeatedly filed disputes with Cashapp that were denied repeatedly. The seller on the fake online site never sent confirmation of the order nor have I received the products ordered on XXXX XXXX. Cashapp sites the seller fulfilled their obligation. How, what proof supports a fake website?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Last year in XXXX, I deposited a check into my Bank of America account. It took a month to verify the check after the check was verified. I was unable to pull money out of my account. Bank of America gave me a number to call. I called the number they advised me that my account was under review. I waited another month, and the account reopened. I was able to withdraw money after all that occurred. My account was locked again, and I was unable to withdraw any money. My account was then closed, and I have not received the funds from Bank of America. I have called them multiple times they told me that the check I deposited was fraudulent I asked them for proof of the check Been fraudulent and they never sent me anything. I called back, requested information again and again and again and they never sent me anything. At this point it has been over a year and I still have not received any information from Bank of America so I decided to file a complaint with your organization.

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 2023-12-05 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2023-12-05 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: AZ

Complaint narrative:
I am writing to bring to your attention that I have been affected by the Equifax Data Breach and my personal information has been breached. Please see the attached picture as proof that my information has been breached. Due to this incident, Equifax has refused to delete accounts currently listed on my credit report. The accounts in question are : 1. XXXX : Account number : XXXX 2. XXXX XXXX XXXX : Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: NY

Complaint narrative:
Even though I had a credit freeze AND a fraud alert in place, TransUnion gave my information to XXXX which then used it to open a false account which was used to extend significant credit to an ID thief which still stands to this day. I have asked for an explanation before and I only got vague answers so I will be very specific and am requesting a response through the CFPB : 1 ) Why was my information give to XXXX as I had a credit freeze in place? 
2 ) Why was my information give to XXXX as I had a fraud alert in place? 
3 ) EXACTLY what was done as part of your " investigation '' into the XXXX account that caused you to side with them after I told you your information is wrong and absurd? 
4 ) When/If you are able to verify that XXXX opened a credit account for me with the information you provided, what will be done to make sure this does not happen 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 non-monetary relief
Consumer complaint received 2023-12-05 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-05 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-12-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

XXXX | XX/XX/XXXX : Account number : N/A, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: MT

Complaint narrative:
My student loan servicer sent an update XX/XX/2023. Their service center says it takes 45 days to update. But still on my report at the bank. I had to show the bank the debt was gone. But still refused loan. It shows on the soft pull. Transunion holds people in credit servitude because the can.

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 2023-12-05 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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their 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 2023-12-05 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: GA

Complaint narrative:
I made over {$44000.00} in voluntary payments to XXXX on XXXX during the payment pause ( see attached ). Since then, my loan servicer changed to Mohela. I requested a full refund from Mohela in XX/XX/XXXX and so far have received {$110.00}. 

Several calls and emails have made to Mohela over the last 15 months regarding the rest of my refund ( I attached a few screenshots, just to show the dates ). XXXX response I got from Mohela was they are only responsible for submitting the refund request, and that I needed to contact Federal Student Aid to check the " National Student Loan Database '' to figure out why we only received {$110.00}. 

I made the phone call to Federal Student Aid as advised, and was told Mohela is responsible for my refund request. 

I have spoken to different people at Mohela and received responses such as " we have a lot of refunds to process, wait XXXX weeks, '' or " you need to contact XXXX. '' The most recent response I received from Mohela ( from a supervisor named XXXX on XX/XX/XXXX ) is that since some of the loan groups were paid in full and closed at XXXX, they were never transferred to Mohela. Therefore, I needed to " request the refund from XXXX ''. 

I spoke to a supervisor at XXXX ( XXXX ) on XX/XX/XXXX, and he says Mohela has the ability to request refunds from the Dept of Treasury for any voluntary payment made in XXXX, even if the loan was paid through XXXX. He also mentioned the cutoff to request a refund from XXXX was XX/XX/XXXX, and the messages I send ( including the refund request I sent months ago ) " don't always attach '' to my accounts, even if I am logged in on the portal. XXXX also does not show a " sent messages '' folder, so I am unable to provide screenshots of the messages I have sent to them. 

Mohela and XXXX have both been denying responsibility for my refund request for over a year, and XXXX of them is giving inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation