vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: IL

Complaint narrative:
XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number XXXX times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the 800 number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: IA

Complaint narrative:
I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, TransUnion, XXXX, and XXXX have failed to address these inaccuracies. 

Fraudulent accounts include 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 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct 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 2024-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I filed a dispute with Cashapp after noticing there was an unauthorized purchase by a seller that did not exist. It is my belief that someone from cashapp has stolen the money from my card and is now refusing to dispute the charge with the so called " merchant ''. The last email I received from Cashapp 's XXXX  stating they could dispute the charge with the merchant if I followed certain steps. She sent the email on XX/XX/XXXX, I followed those exact steps and responded to the email, and they never did anything. I have notified Cashapp 's CEO about this scam via email, but I believe he is in on it because it was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: CO

Complaint narrative:
I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, XXXX, and Experian have failed to address these inaccuracies. These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct 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 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Sigue Corp.
State: CA

Complaint narrative:
I made a purchase of a money order for an amount {$1700.00}, from the company, which turned out to be without funds, the company does not respond to anything nor does the place where I bought them,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: ADP Inc.
State: AZ

Complaint narrative:
I had an unauthorized usage on my wisely card of {$300.00} at a gas station and I reported it the next day. After multiple days of calling and waiting on nothing I got a letter saying to sign and to verify all I have said was true. I signed and sent out the letter at around XXXX, the next day I receive another letter ( without them receiving the first document ) saying that the case was closed and that no further action was needed as no fraud was detected. Every time I call I can barely understand the customer service person or they dont even help. Ive tried contacting XXXX who were the ones that issued the card at my job, no help either. I tried contacting the circle k where the transaction happened, no help either. Money is tight right now and dont know what to do about the stolen money. I cant even email them to keep track oc things everything is done over the phone with little to no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called the companies and they claim they did not pull my report. I contacted Transunion about these inquiries and they told me it would be removed but it has not XXXX XXXX XXXX XX/XX/XXXX ( Bank ) XXXX ( Bank ). XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XX/XX/XXXX ( Hotel and travel )

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 2024-05-12 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: IA

Complaint narrative:
I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, Equifax, and XXXX have failed to address these inaccuracies. 

Fraudulent accounts include 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 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: IA

Complaint narrative:
I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, XXXX, and Experian have failed to address these inaccuracies. 

Fraudulent accounts include XXXX XXXX  ( {$670.00} ), XXXX XXXX XXXX XXXX  ( {$790.00} ), XXXX XXXX XXXX XXXX ( {$3100.00} ), XXXX XXXX XXXX  ( {$700.00} ), XXXX XXXX ( {$3500.00} ), and XXXX XXXX ( {$1200.00} ). Fraudulent addresses : XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian made me set up an account so that they could try to sell me product I didnt want before I could set up a credit freeze. The other two credit reporting companies did not do this.

Id like CFPB to make them stop this practice. And, CFPB should make them share the information so that if one establishes a credit freeze with one company it then applies to all three - like what happens with a fraud alert.

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 2024-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is another in a continuing series of complaints against Rushmore Servicing. I am still attempting to have my loan modified or to receive a trial forbearance. This company continues to delay the process by continuing to demand more and more documents from me, slowing down the loan modification process. At this point, I feel they have no intention of actually reviewing my documents and actually granting me a loan modification or trial forbearance. I also feel I am an outstanding candidate to have my loan modified. 

My attempt to receive a loan modification or trial forbearance has now continued for months, actually stretching back to XXXX 

Rushmore officials are now demanding more documents from me, with some being new documents never requested before. In XXXX of XXXX XXXX, Rushmore sent a letter to me verifying that I had sent in all of the documents necessary to complete a loan modification or trial forbearance review. I then followed this up with a phone call to a Rushmore representative in their loss mitigation department and was orally informed by a representative that I, had indeed, sent in all of the needed documents to allow for a review of a loan modification. Then, in late XXXX, Rushmore changed its mind and decided that it did not have enough documents and promptly demanded more, going back on its oral and written word to me that the document gathering process had been completed. A representative by the name of XXXX XXXX also informed me by phone that more documents were needed. I have now sent in yet more documents to Rushmore in this simply never ending document gathering process in an attempt just to get to the review part of the loan modification process. In summation, as I have pointed out in the past, Rushmore Servicing continues to be dishonest and untruthful in this process and is purposely continuing to demand that I provide documents. As many mortgage service companies are know to do, Rushmore is illegally dragging out the loan modification process with no intention to actually review my documents that I have submitted, much less grant me a loan modification or trial forbearance. I have done everything asked of me by this company and still I have been stonewalled by Rushmore. The government should investigate Rushmore and other loan servicers who engage in this sort of illegal conduct and take appropriate action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi, This is related to the Synchrony Bank connected to Amazon, since the application was started on XX/XX/XXXX, there has been a number of instances were I felt mislead by this bank, which never responded a call, only via chat. 
In some point I was paying for insurance to what I understood, it was meant to be use in case of financial distressed. Via chat I requested the use of this insurance and I said, if I remember correctly, : I want to use this insurance now because I have trouble making the payments, otherwise what is the point of paying this excessive fees '' I don't remember exactly what the answer was from the person in the other side of the chat or the responder, but later I found out that the fees or monthly payment for the insurance were removed, but, I didn't received any letter or call letting me know about this decision. Hi, This is related to the Synchrony Bank connected to Amazon, since the application was started on XX/XX/XXXX, there has been a number of instances were I felt mislead by this bank, which never responded a call, only via chat. 
In some point I was paying for insurance to what I understood, it was meant to be use in case of financial distressed. Via chat I requested the use of this insurance and I said, if I remember correctly, : I want to use this insurance now because I have trouble making the payments, otherwise what is the point of paying this excessive fees '' I don't remember exactly what the answer was from the person in the other side of the chat or the responder, but later I found out that the fees or monthly payment for the insurance were removed, but, I didn't received any letter or call letting me know about this decision. I think all the money that i pay for that insurance should be return back to me and part of my debt reduce or eliminated considerably. Ever since, I have been paying, never missed a payment, but instead of my payments been less are accumulating. The credit limit was for a {$1000.00}. 
My debt now as of next statement : XX/XX/XXXX {$1400.00}, with a minimum payment of {$51.00}. My understanding is that if I'm making my payments, my debt will be lower not higher, this bank manipulates the variable interest rates in connection with the fees shares with Amazon. higher, this bank manipulates the variable interest rates in connection with the fees shares with Amazon.

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 2024-05-12 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: LA

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. 

XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX & XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information including any other adverse item of information other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish information related to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: LA

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.

XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX & XXXX, XXXX XXXX  Acct # XXXXXXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information including any other adverse item of information other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish information related to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My ex-husband and I divorced XX/XX/year>. I am still an authorized user on his Southwest Chase visa which still appears on my credit report. In XXXX, I called the number on my credit report ( Southwest Chase Visa ) and they said I can not remove myself as a user- he needs to remove me. I asked him to remove me and that still has not happened. Can you help remove me? The credit card is in good standing and he has made all the payments but I have zero control over it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that the associated accounts linked with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference.

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the charged off accounts currently being reported on my consumer report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.

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 2024-05-12 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: CO

Complaint narrative:
I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, TransUnion, XXXX, and XXXX have failed to address these inaccuracies. These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct 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 2024-05-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone fraudulently used my card Tried to dispute charges but Wells Fargo won't resolve promblem

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