vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Credit Score Drop and Fraudulent Account on Credit Report [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear CFPB, I am writing to bring to your attention a serious issue regarding my credit report, which has adversely affected my credit score without any justifiable reason. Additionally, there is a fraudulent account, specifically Account XXXX with XXXX XXXX XXXX, that has been erroneously added to my credit report, causing a significant drop in my credit score. 

XXXX XXXX XXXX XXXX : I recently observed a sudden and unexplained drop in my XXXX credit score. Despite my diligent financial management and no adverse actions on my part, my credit score has decreased, impacting my financial standing. I have not received any notification or explanation for this decline. 

Experian Fraudulent Account - XXXX XXXXXXXX XXXX ( Account XXXX ) : Yesterday, I discovered that Experian unblocked a fraudulent account, Account XXXX with XXXX XXXX XXXX, which does not belong to me. This unauthorized account has resulted in a substantial decrease of XXXX points in my credit score. I have taken immediate steps to dispute this fraudulent activity and have contacted Experian, but I am yet to receive a satisfactory resolution. 

XXXX Failure to Remove Fraudulent Account : Despite providing evidence and documentation proving the fraudulent nature of Account XXXX with XXXX XXXX XXXX, XXXX has been unwilling to remove it from my credit report. XXXX XXXX has reported this fraudulent activity to all three credit bureaus, including Experian and XXXX, but XXXX 's lack of action is further exacerbating the impact on my credit. 

Difficulty in Communicating with Credit Bureaus : I have diligently attempted to resolve these issues by contacting each of the credit bureaus. Unfortunately, my efforts to speak with a U.S. representative have been met with unresponsiveness and hang-ups, hindering my ability to rectify these critical matters promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and address these issues promptly. The discrepancies in my credit report and the inclusion of a fraudulent account are causing undue financial distress, and I seek your assistance in ensuring a fair and accurate representation of my credit history. 

Enclosed with this letter, please find supporting documentation, including evidence of the fraudulent account and communication attempts with the credit bureaus. 

Thank you for your urgent attention to this matter, and I look forward to a swift resolution. 



[ 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 non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
This morning around XXXX o'clock XXXX XXXX I tried to make a transaction to sell all my XXXX XXXX XXXX for XXXX amount of around {$70000.00} and till this moment. That transaction is pending so I am not able to cancel that transaction so I could do another one or I can't do anything with that money cause it's just pending and therefore, I'm not able to put my money into other investments just because they chose to not give me my money back. But when it comes to depositing my money. They have no problem taking it right away. But when it comes to giving you a money back, they take their sweet time. And then tell me that the only way I can contact. Customer service is via email. Which is the slowest form of communication which I think is. So ridiculous when they're playing with my money. And money is very kind of in the moment. Kind of thing cause right now. I probably lost about {$5000.00}. Just be not able to invest in the company I wanted to. And now I have to wait for them to XXXX. Contact me via email instead of just talking to me over the phone, when their customer service reps, don't seem to be able to help with anything but yet the people that I can can can only be contacted by email does that make sense if they're you know conducting business with our money? I think that it should be with somebody in real-time not somebody that's going to answer our questions a day later or half a day later. I want somebody to answer my questions now and help me now. So I can get my money to where it once soot now. Not to, morrow, not the next day. But now. I will not be using the service after this cause. I find it very unreliable that I can't get my money when I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: TX

Complaint narrative:
I, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX confirm that I haven't received good or services from the following creditors. I have contacted transunion multiple times about the following information and transunion continues to ignore my request. This sums up to over XXXX please delete asap. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-09 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: AZ

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with TransUnions handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with TransUnion have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as TransUnion, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite expressing concerns about inaccuracies on my credit report, TransUnion consistently fails to verify the information promptly, resulting in continued damage to my credit score and financial standing.

2. Extended Response Times : TransUnions investigations routinely surpass the stipulated XXXX timeframe mandated by the FCRA. This delay has significantly impacted my ability to secure credit, obtain loans, or make crucial financial decisions. 
3. Inadequate Communication : Communication from TransUnion during the dispute process has been insufficient, leaving me uninformed about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process.

4. Repeated Neglect : My attempts to address these issues with TransUnion have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that TransUnions gross negligence in investigating credit disputes directly contravenes the FCRA, undermining the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against TransUnion and takes appropriate action to ensure compliance with federal laws and regulations. Moreover, I urge the CFPB to hold TransUnion accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information.

The impact of TransUnions negligence on my financial well-being is substantial, and I trust that the CFPB will address these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.

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 2023-11-09 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: FL

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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I sent a dispute letter to Comenity Bank on XX/XX/2023 asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/2023 stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, Comenity failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/2023 ( mailed on XX/XX/2023 ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between Comenity and I since my initial dispute as well as the mail receipt of the final letter that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have account with synchrony bank accounts go down but one care credit at present it is up to over XXXX with all the fees they add I have not used this for his long and it should not be this high I talked to them today an XXXX and they will NoT work with me. Unless they do I can not afford to pay this card since they keep adding fees and the card amount is going up. Why pay on it I am getting no where

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 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CO

Complaint narrative:
I am XXXX XXXX I am a XXXX. 
I called Loan Care Loss Draft at XXXX XXXX  XXXX XX/XX/2023 I spoke with a person who did not identify who they were. They Never Do Loan Number # XXXX Property Address XXXX XXXX XXXX XXXX  XXXX CO XXXX. 

Loan Care has told me and my client XXXX XXXX XXXX that they were sending out his final payment that Loan Care has been holding since XXXX of {$17000.00} The person I spoke with today is very vague about what exactly XXXX XXXX needs to send out his payment to him. But of course, no payment will be sent if we don't do exactly what they say.

Previously I've had a rep say you need to send us a piece of paper saying what he's been paid- I said okay what amount is that- she's like uhhh let me check -- after a few minutes she comes back with I'm not sure but we can't release payment until we get that- that was someone else earlier this year and they did send out partial payment- everyone has a totally different set of rules they tell us and our clients to do to get their money. 

XXXX XXXX has been waiting on his final check of {$17000.00} since XXXX. He requested a {$15000.00} draw months ago that he never got and never was told he wasn't going to get. 

XXXX mailed Loan Care a {$62000.00} check around XX/XX/2023 and they release back to him {$45000.00} XX/XX/2023 and they are holding the rest. 

It is unjust to make our country 's elderly veterans jump through hoops and call numerous times to try to figure out how to pay their contractors. This has caused XXXX XXXX XXXX worry and stress he is underserving of. 

I as his friend but also his XXXX have the responsibility to seek answers for him that your rep today tried extremely hard to not give us. 

This job has been done, we sent in the certificate of completion. Loan Care makes no effort to contact XXXX XXXX or the XXXX with items needed. They have lied for months that they're sending out payment- Infact the lady today said the check was sent out then canceled? XXXX XXXX has not received a check let alone a cancelled one. 

Please review this call today to improve your reps training. This isn't a game to keep someone's money the longest- you are unfair to people who have done nothing to 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 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
Have have federal student loans and my load servicer is Aidvantage. I graduated college two months ago. I should still be in the six month grace period. However, Aidvantage set my payments to start less than one month after graduation. I called Federal student aid and they informed me that my status with them is in the six month post graduate deferment and that I would need to get in touch with Aidvantage. I have been trying to call them since the beginning of XXXX. I have waited well over an hour on hold multiple times and many times their phone system hung up on me. The one time I was able to get through to a customer service agent after I told them what was going on, they said One of your loans shows in deferment then they either hung up on me or their phone system cut us off. I have also sent emails to their customer service and have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had tried to pay for my sprint account and I was actually XXXX cent short and ended up I had to pay both the bank and the phone company almost over XXXX dollars in 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit report account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention an issue related to 15 U.S. Code 1666b. This code stipulates that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted specific measures. 

I have observed that XXXX XXXX XXXX  reported a late payment on my credit report, and I believe this may be in violation of 15 U.S. Code 1666b. The code ensures fair treatment of payments and prevents unjust penalties. 

I kindly request your assistance in investigating this matter and ensuring that XXXX XXXX XXXX  complies with the regulations outlined in 15 U.S. Code 1666b. 

Thank you for your attention to this matter, and I appreciate your efforts in safeguarding consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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