vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reached out to the company to get a verification of debts for an account of XXXX XXXX and for XXXX XXXX XXXX on my account in XXXX of 2023. 

I have yet to still see any response this Credit report agency has failed to follow dispute procedures, also has failed to conduct an initial internal investigation within 30 days, the third violation was they did not inform me of the results within 5 days. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting. 


Pursuant to 15 usc 1681 ( a ) ( 2 ) g Your company 's mistake has caused me serious harm. Serious harm means any harm, whether physical or non physical, including psychological, financial, or reputational harm. My reputation has been negatively impacted. 
Since your company ASSUMED this role, it depends upon an honest evaluation. You have not received expressed permission from me, the consumer, to report these inaccuracies. And since you assumed this information was valid. This is a direct violation of my consumer rights. 

When you furnished this inaccurate information without doing a thorough and fair investigation you violated my rights. As a result of you not validating this information before Reporting To my consumer report, you have breached my rights to privacy.

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 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: United Revenue Corporation
State: TX

Complaint narrative:
I reached out to the company to get a verification of debts for an account of XXXX XXXX and for United Revenue Corporation on my account in XXXX of 2023. 

I have yet to still see any response this Credit report agency has failed to follow dispute procedures, also has failed to conduct an initial internal investigation within 30 days, the third violation was they did not inform me of the results within 5 days. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting. 


Pursuant to 15 usc 1681 ( a ) ( 2 ) g Your company 's mistake has caused me serious harm. Serious harm means any harm, whether physical or non physical, including psychological, financial, or reputational harm. My reputation has been negatively impacted. 
Since your company ASSUMED this role, it depends upon an honest evaluation. You have not received expressed permission from me, the consumer, to report these inaccuracies. And since you assumed this information was valid. This is a direct violation of my consumer rights. 

When you furnished this inaccurate information without doing a thorough and fair investigation you violated my rights. As a result of you not validating this information before Reporting To my consumer report, you have breached my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files. Specifically, the negative accounts that are indicate in each letters attached to this complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: GA

Complaint narrative:
I am writing to express my disappointment upon reviewing my updated credit report today, which revealed the presence of inconsistent, incorrect, and misleading entries that your agency has furnished on my files. Specifically, the negative accounts that are indicate in each letters attached to this complaints.

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 2024-02-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toyota Finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from California since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: FL

Complaint narrative:
After review of my XXXX XXXX XXXX report I found there was a derogatory account that is the result of identity. I contacted both US BANK and XXXX XXXX XXXX via certified mail and issued them Cease and Desist orders for identity theft and furnishing derogatory information on my good name, both companies used no proper procedures to ensure that all the information was 100 % accurate. In fact, I requested a copy of the original documents and that request has been ignored and disregarded. This has brought great distressed on my family.

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 2024-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I applied for a XXXX credit card with Comenity Bank now Bread Financial had to do a verification process because of my credit freeze and I sent in all of the documentation and they still declined it and did not tell me why

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: CT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2024-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
We have a contract for 300 payments at XXXX per month done with auto pay for our solar loan and are informed by Goodleap that the truth in lending letter was provided. The letter details 300 payments but does not provide information showing the loan of {$40000.00} at 1.99 % interest has been fulfilled at the end of 300 payments. My wife and I are XXXX and XXXX XXXX XXXX. Our multiple contacts over the phone to Goodleap have resulted in evasive answers to our requests for payoff information over entire the course of the loan. To this date ( since loan inception on XX/XX/XXXX ) we have never been provided with a billing statement showing billing credits and loan balance. Our concern is that at the end of the 300 payments we could still owe a significant amount of money. Both Goodleap representatives contacted on both XX/XX/XXXX and XX/XX/XXXX stated they could not provide the information requested, only a billing statement for which we still have not received. I am very concerned that Goodleap is misrepresenting the product in violation of truth in lending laws and consumer protections for the elderly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2023, I signed up for a XXXX XXXX XXXX XXXX  scheduled on XX/XX/2023 at XXXX PM with Staying Alive XXXX. I then realized it was the wrong class on XX/XX/XXXX and I emailed them asking if I could get my appointment canceled. They replied telling me they could help me switch to a different class, but they didn't have the class I was looking for. So, I once again asked them to cancel my appointment- no response. On XX/XX/XXXX, they then emailed me back saying they could cancel my appointment, but " as per their terms and conditions, there are no refunds ''. When I placed the order for the class, there was no disclaimer or terms and conditions that showed up anywhere saying there were no refunds for canceling an appointment. In fact, I went back on their website and I still couldn't find such a policy. They then text me on XX/XX/XXXX at XXXX PM saying that my scheduled class was canceled due to low enrollments and wanted me to join their other class scheduled at XXXX AM instead. I have class at that time and could not attend. I don't understand why they can cancel a class due to low enrollment, but can't refund my money for a canceled class. My appointment was for the class scheduled on XX/XX/XXXX at XXXX PM, so if it was canceled, they should give me my money back. Since they refused to, I contacted my credit card company which was Apple Card with Goldman Sachs. I provided them information on what happened and after XXXX months, my dispute was denied. Throughout the entire XXXX month dispute process, not once was I contacted to provide extra proof or information. They only listened to the merchant and who knows what information they provided. Nowhere on their website did they have a refund or cancellation policy and I was notified of no such thing when I was making the appointment. In short, my scheduled appointment was canceled on the merchant 's end, but they refused to refund me and Goldman Sachs sided with them and refused to give me my money back. 

My previous complaint was closed with the company 's response stating that the evidence provided by the merchant shows that I agreed to their terms and conditions, but no such terms and conditions were provided to me when I scheduled the class. No such terms and conditions are displayed on their website, or when I purchased the class, or when I got the confirmation email. If you attempt to schedule another class right now, no such terms and conditions appear either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
From the 2nd week of XX/XX/XXXX until now, XX/XX/XXXX, I have called repeatedly several times a week in an attempt to get loan/account information on my account. My soon to be ex-husband who no longer occupies the home filed a XXXX  XXXX bankruptcy on XX/XX/XXXX. Since the filing, every time all call to speak with someone to get any kind of information pertaining the status of my account or to make payments, I am constantly being told that I need to get written authorization from my soon to be ex or his attorney in order for the mortgage company to speak with me. I have called repeatedly, several times a week, and to no avail, no one will speak with me. 

I was in the middle of a modification when he filed and now things are falling further and further behind, no to mention no one will speak to me regarding where my account ( status of modification, if foreclosure has started, etc. ) stands because of his filing. 

This is unfair, I am not the one who filed bankruptcy, but I'm having to suffer because the mortgage company refuses to speak with me. Can someone please intervene. 

I do not want to lose my home.. I have been paying the mortgage since my ex-husband has been out of the home and I would like to resume making payments and to be able to stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I would like to file a complaint against Transunion Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about my bankruptcy. My credit score dropped and I was denied a place to live. My score dropped roughly XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advised Transunion that the XXXX Bankruptcy court do not provide information to the credit bureaus and even sent them a copy of the official letter. They refused to Delete the bankruptcy claiming the case was closed. Transunion is in violation of [ 15 USC 1681 ] ( N ) Willful Non-Compliance. They are also a 3rd party Unauthorized user and are ignoring the law! I am requesting help to have my Bankruptcy Deleted immediately! So I can live a normal life.

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 2024-02-02 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: CT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2024-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX submitted an outgoing wire transfer to me ( XXXX XXXX ) for the sale of my house, using XXXX XXXX. XXXX XXXX  initiated the wire to my bank which is XXXX. The amount wired was XXXX on XX/XX/2024 at XXXX XXXX. Chase Bank received the incoming wire, same day around XXXX XXXX  XXXX XXXX time. Chase bank flagged the incoming wire as Fraud and withheld the funds from me. Chase banks customer service said they sent an inquiry to XXXX XXXX  for more information. XXXX XXXX  has said multiple times that's they have not received such inquiry. Chase Bank is illegally withholding funds that are rightfully mine. Upon further investigation online, this seems to be a reoccurring problem with multiple Chase Bank customers. Chase bank will not give me any information nor a timeframe on when my wire will be released to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon 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 non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Went and asked my employees a lot of questions about whether we sold and made them give their full names and took photos at my place of business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AZ

Complaint narrative:
Was sent a red notice in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: CA

Complaint narrative:
I did not open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to XXXX Bank and requested two Cashier 's Checks to be deposited at my other Banks. I requested having {$9000.00} for XXXX XXXX and {$7500.00} to Wells Fargo. I was only with XXXX XXXX  for 6 months, and by the XX/XX/XXXX, the funds were credited to my account. I did the same for Wells Fargo. They were not open on Saturday and then I went in person to ascertain when the funds will be applied. They thanked me for my 18 years of being a member, but had the nerve to say, it was because I opened a new savings account and therefore, they held my funds. I said : That makes no sense, I had to verify my info in order to even open the new savings account, so why would that suspicion? 
They said my check would be on hold until XX/XX/XXXX. I was so upset, and informed them that as soon as these funds hit my account, I'm taking the money out, and put it back into my XXXX XXXX  account. I said : " It is a Cashier 's Check ' the money was already taken from my account. Try calling them if you want to verify funds and my account. They said that is something they don't do... 
Wells Fargo have been sued many times for unscrupulous behavior, and this appears to be more of the games they are employing while playing with " My Money '' - It's a good thing I didn't need the money right away, or they would have put me in a very terrible financial situation. These banks continue to defy banking regulations until they get sued, or continue to finds ways to take money from their members. This is insane! having to wait 12 days, while " MY MONEY '' is held hostage..! there is nothing criminal, I haven't been in check systems, never wrote a bad check, or had any check that didn't clear, and I'm treated like a criminal. They need to be regulated harder and they need to give me an apology for a simple transaction from another reputable bank ( 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 2024-02-02 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: PA

Complaint narrative:
Please investigate these fraudulent accounts and provide information about your results. Delete immediately

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 2024-02-02 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon 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 2024-02-02 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: DISCOVER BANK
State: FL

Complaint narrative:
Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like Discover, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from XXXX  since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.

Company response to consumer: Closed with explanation