vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a XXXX XXXX XXXX  account with XXXX on XX/XX/year>. I funded it with {$100000.00} on XX/XX/year> and another {$100000.00} on XX/XX/year>. They said that if you keep {$200000.00} in the account then you will receive a {$750.00} bonus. But they only gave {$350.00} saying that I made a withdrawal of {$100.00} on XX/XX/year> so did not qualify. At the time of the withdrawal the account had approximately {$200000.00}. I believe I am owed {$400.00} for the balance of the {$750.00} bonus that I was promised when I signed up as I maintained a balance of above {$200000.00} for over XXXX months after the account was funded.

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 2024-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mortgage Research Center, LLC
State: WA

Complaint narrative:
We assumed a XXXX XXXX XXXX XXXXXX/XX/year>. The closing cost included a {$1500.00} miscellaneous fee, which we were told was XXXXXXXX XXXX payment, due on XX/XX/XXXX. We made the payment but disputed the payment with the lender. We setup automatic payments with the lender to avoid late fees. We noticed that our monthly mortgage payments vary several hundred each month, so we reviewed our mortgage statements today. 
We discovered we were charged a late fee of {$63.00} for XX/XX/year>, even though the XXXX payment was collected XXXX XXXX  and addressed to the prior property owner. The statement for XXXX included both XXXX and XXXX billing demand. 
The statement for XXXX double billed the escrow impound from {$300.00} and XXXX. Several statements show partial payments, even though our automatic payment are setup for only full payments. 
This company needs an audit of their booking.

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 2024-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: MD

Complaint narrative:
A debt collection agency called Unifin keeps contacting my family members. Even though I told them not to do that, they continue to. Im not sure how they were able to get the contact info of my parents, siblings, and cousins, but its becoming to feel like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is my name sent a copy of my social driver licencne and so forth they still continue to report two accounts that when I call som others woman information comes up told this to the beuros but they keep insisting is me asked for proof of the debt directly from the creditor they did not send me anything to me but when directly to transunion XXXX and XXXX and requested that my file be locked to me by them is this possible? it seems i get the run around and after several calls back i give up help me please!!!!

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 2024-09-03 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: TN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-09-03 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an account with Wells Fargo Bank, On XX/XX/XXXX, I had some issues entering on my bank account, when I was able to access my account I noticed someone had made some transactions that were fraudulent. I immediately contacted my bank, due they took money from my savings account to my checking and processed with the transactions. 
Im missing an amount of {$6000.00} Monday XXXX and Tuesday XXXX called for updates there were none. 

Called Tuesday XX/XX/XXXX ( Today ) Customer service from claims department told me they had sent it to investigation department and they are unable to help. 
I also told him I even changed my password and have been scared of using my account again. 


Writing this letter to find more help. Really hope to hear back from yall. Thank you!

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 2024-09-03 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: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
So I recently filed fraudulent chargers on my account and they issued a temporary credit. The next day my account was locked and my funds were frozen and I called online support and they told me I had to go into a branch. So I went into the branch expecting them to close the account and issue my funds to me about XXXX, but they werent able to release any of my funds. I called again and they said there is no information available. I dont know where my money is and XXXX cant access it and no one seems to want to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
XXXX XXXX  has reported negative information on my credit report during a Nationwide Pandemic Pause Period which caused a XXXX point deduction to my XXXX XXXX. XXXX XXXX  has continuously reported incorrect information to the Credit Bureaus even though the account is in Deferment Status. XXXX XXXX  is reporting to the Credit Bureaus that a " Credit Line '' has been increased. This is false and is not a line of credit but a XXXX XXXX and the only thing that should be reported is an increase in interest. XXXX XXXX  uses deceptive techniques to lure people into programs and does not use competent staff when applying for XXXX XXXX. I now have two XXXX XXXX  with XXXX University due to the negligence and miscalculations of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has REFUSED numerous times to release final transcripts due to an unpaid XXXX XXXX XXXX. They have violated my Consumer Rights and I feel this situation needs to be remediated as quickly as possible.

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 2024-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Money Stash, L.L.C.
State: UT

Complaint narrative:
I have had two loans with the creditor, Money Stash. The first loan was started in XXXX of XXXX for {$880.00}. I made a few of the payments, however reached a point where I could no longer stay on the payment schedule. I tried working with the creditor on more of a hardship plan, however could not reach an agreement on an amount. 

Eventually in XXXX of XXXX, the account was referred to a collection agency the creditor partners with, XXXX XXXX XXXXXXXX. The collection company and I agreed to a payment plan, and I was able to make payments until it was eventually settled in XXXXXXXX XXXX XXXX 

The second loan was taken on XX/XX/XXXX. I was in an emergency situation with my rent, and in hindsight should never have agreed to this second loan with the creditor ( that was my mistake ). I could not make the payments ; eventually this account was sent out to the same collection agency, XXXX XXXX XXXX 

Similarly as with the first loan, XXXXXXXX XXXX XXXXXXXX and I agreed to a payment plan, I started making payments on this account in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX weeks. 

In XXXX, I was unable to make the {$50.00} pmt on XX/XX/XXXX, I had asked XXXX XXXX XXXX if I could make a double payment ( {$100.00} ) on XX/XX/XXXX instead. This request was accepted, but unfortunately I wasn't able to make that payment as I was late on my rent in XXXX XXXX XXXX XXXX XXXX XXXXXXXX and had to catch up, paying the late fees. 
I reached out to XXXXXXXX XXXX XXXXXXXX last week, XX/XX/XXXX to see if I could make a payment on XX/XX/XXXX. Further, I advised I would be able to make an additional {$50.00} payment on XX/XX/XXXX, and then a {$100.00} payment on XX/XX/XXXX, essentially " catching up '' on my payment plan. On XX/XX/XXXX I called to make a {$50.00} payment, but no one at XXXXXXXX XXXX XXXXXXXX took my call. 

I called again this morning, XX/XX/XXXX, to make my {$50.00} payment. In a lengthy discuss with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I was made aware amount I could do, {$50.00}, would not be accepted. I was further threatened that payment amounts would be increased, whether I could afford it or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX : Urgent Complaint Regarding Unprocessed Refund for Canceled Pre-Sale Necklace Purchase** Dear Macys, XXXX, XXXX XXXX XXXXXXXX I am writing to express my deep frustration and disappointment regarding the unprocessed refund for a pre-sale necklace purchase that I canceled promptly but have yet to receive my refund for, despite numerous attempts to resolve the matter. 

On XX/XX/year>, I pre-purchased a necklace as part of a special pre-sale event where all jewelry was 65 % off for a total of {$260.00} The pickup for this item was scheduled for XX/XX/year>, to coincide with the start of the sale event. As per the terms of the pre-sale, my funds were supposed to remain on hold until the pickup date. 

However, on XX/XX/year>, I decided not to proceed with the purchase and went to the store to cancel my pre-sale order. Unfortunately, despite my prompt cancellation, the funds were removed from hold and processed by my bank hours before my cancellation. 

After waiting XXXX calendar days without receiving my refund, I reached out to both the store and my bank multiple times. It has now been over XXXX calendar days, and my refund is still unprocessed. Despite providing proof of the cancellation, including receipts and communication with the store, my disputes have been repeatedly denied. 

The store has confirmed that the cancellation was processed on their end and has pointed the blame at the bank. Meanwhile, the bank insists they never received the funds from the merchant and is placing the blame on the store. I am now stuck in the middle of this situation without my money and with no resolution in sight. 

I am requesting immediate action to resolve this matter. Please process my refund as soon as possible, as this delay and miscommunication are unacceptable. I expect confirmation of the refund process within XXXX business days, or I will be forced to take further action, including filing formal complaints with consumer protection agencies and seeking legal advice if necessary. 

I appreciate your prompt attention to this matter and look forward to your swift resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. 

XXXX XXXX XXXX bal. {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX bal. {$110.00} HOPE XXXX XXXX XXXX bal. {$0.00} XXXX XXXX XXXX XXXX bal. {$0.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
to whom this XXXX concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the XXXX, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the XXXX  has directed me to file Form XXXX for illegal tax violations upon your company to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TN

Complaint narrative:
In my previous complaint, I reported a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite filing the complaint, I did not receive any documentation or evidence from the company involved. The company in question communicated with me in a manner that I believe is in direct violation of 15 USC 1692c, which restricts the manner and means by which debt collectors may contact consumers.

I took action by formally requesting the removal of the associated collection account from my credit report due to this violation. However, to date, no response or corrective action has been taken by the company, and the collection account remains on my credit report. 

I am requesting that the company provide the necessary documentation or evidence related to this matter and immediately remove the collection account from my credit report. The lack of response and resolution is deeply concerning, and I seek prompt action to rectify this issue.

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 2024-09-03 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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles XXXX XXXX XXXX XXXX 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX : Update to Open/Never late. 


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


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


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
The credit cards below have a XXXX balance yet my credit reports are showing a balance. The accounts below are wrong. 

XXXX XXXX  XXXX XXXX XXXX {$3000.00} out of {$3700.00} 80 % XXXX XXXX XXXXXXXX {$1300.00} out of {$1900.00} 71 % XXXX XXXX {$200.00} out of {$300.00} 69 % XXXX XXXX XXXX {$470.00} out of {$800.00} 59 % XXXX XXXX {$4800.00} out of {$8300.00} 59 % XXXX XXXX XXXX {$2600.00} out of {$5000.00} 52 % XXXX {$1100.00} out of {$2800.00} 39 % XXXX  XXXX  {$280.00} out of {$900.00} 32 % XXXX XXXX TAB BAN {$430.00} out of {$1400.00} 31 % XXXX {$310.00} out of {$1200.00} 27 %

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 2024-09-03 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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