vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I have been trying to refinance with Selene finance for a very long time. I had issues with them before too as we had documented in our previous complaint. XXXX XXXX ( Financial Advocate/ Loss Mitigation XXXX ) got involved has been working together along with the process since XXXX of XXXX. We have sent the refinance documents over and over almost every month as per their guidelines according to their customer service Representative and XXXX resolutions department. I was always told that they documents I sent was not received or was blank, but the same documents sent at the same time to self and XXXX was not blank, I always made sure I cc'ed XXXX XXXX XXXX I sent. So I started taking pictures and also scanning the documents and send them. We were also willing to put out some cash from pocket. We were also granted HOPE fonds for {$60000.00}. Then came up another problem as we were sending documents they denied and said was not by the guidelines. We asked them many times for the guidelines which was not provide to us for very long. We then managed to speak with XXXX as of XX/XX/XXXX and was able to send the % and the broken down amount referred by him. I did not receive the denial letter so we ( XXXX and XXXX ) called Selene finance and heard the automated voice which said that the loan modification was approved, but when we got hold of the Customer Service rep, we were informed that it was denied again. We have been sending emails back and forth during all the process with the XXXX resolution and customer services. We also spoke with XXXX on XX/XX/XXXX who informed us that the guidelines which we followed was wrong. It has been l a year and a half and amount also has piled up on the total amount that we have to refinance. I have attached the recent breakdown document after we have been pushing then for a very long time. It is still not clear one. If you need More documents please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding the ongoing inclusion of inaccurate public records information on my credit report, which I have been unable to resolve despite multiple attempts to have the information removed. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must validate the accuracy of information on an individual 's credit report. 

Over the past several months, I have contacted TransUnion and XXXX numerous times, requesting the removal of inaccurate public records information from my credit report. However, my efforts have been unsuccessful. 

The inaccurate information in question appears to have been obtained by the credit bureaus through the Public Access to Court Electronic Records ( PACER ) system. I have confirmed that the Bankruptcy Court has no interaction with these credit bureaus, nor do they have control over what the credit bureaus do with the information they obtain through PACER. In fact, I contacted the Bankruptcy Court to confirm whether they had validated the public records information listed on my credit report. In response, the court provided a letter dated XX/XX/XXXX, stating that they do not have contact with or jurisdiction over credit reporting agencies. 

Since the information obtained from PACER can not be validated or verified by the Bankruptcy Court, it does not comply with the FCRA 's requirements for accuracy. Despite this, the credit bureaus continue to report this information on my credit report. I have made numerous requests, including a recent submission on XX/XX/XXXX, asking that this public records information be removed due to its unverifiable nature. 

Given TransUnion 's and XXXX 's refusal to comply with my requests, I am seeking the CFPB 's assistance in enforcing the FCRA and ensuring that the inaccurate information is removed 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 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Funds that have been cleared by issuing bank are not being available to me even after everything has been verified. Instead of putting a hold on the funds, Citibank has frozen the account without a clear explanation after being on the phone for over 4.5 hours and a 1 hr trip to a branch. Supervisor named XXXX at Citibank call center was not helpful, had a hard time understanding XXXX and speaking XXXX which was witnessed by branch employees. When asked to speak to him on a different line to resolve a possible bad connection. Was told there is no other supervisors or lines available. Could not get a clear answer on the 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 non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : SOFI BANK, XXXX ( Account # : XXXX ) ** - Reports a XXXX late payment, but all payments were made on time. 
XXXX ( Account # : XXXX ) ** - XXXX a XXXX late payment, but all payments were made on time. 
XXXX XXXX BANK, XXXX ( Account # : XXXX ) ** - Reports a XXXX late payment, but all payments were made on time. 
XXXX BANK ( Account # : XXXX ) ** - XXXX a XXXX late payment, but all payments were made on time. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage. 

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: GA

Complaint narrative:
I recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : 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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone using my identity open credit card account at Capital One early in 2024. I did not know this fraud activity until Capital One sending me collecting letter. I filed police report in XX/XX/2024 at my local police station ( XXXX XXXX. XXXX, XXXX XXXX  XXXX XXXX record phone : XXXX ) and also filed fraud report to Capital One several times. Capital One case number : XXXX. 

I have been notified by Capital One that " activity on the account indicates I opened and interacted with this account ''. Since this account was opened by someone else stole my ID, I had never tried to open or interact with Capital One at all. My Identity was stolen and many attempts were made to open credit cards. It is only CapitalOne that denies my consumer fraud claim. I need them to fix my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-08-12 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: KY

Complaint narrative:
I've have been a transient for XXXX i just stepped back into my life I've been on the streets across the now I'm a unknown victim this is causes me health issues please help

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 2024-08-12 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I've have been a transient for XXXX i just stepped back into my life I've been on the streets across the now I'm a unknown victim this is causes me health issues please help

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Sofi decreased my credit limit due to my credit score dropping to XXXX. I called Sofi and was told they would request a higher limit. I called Sofi again and requested where they got the XXXX  credit score from. They replied with XXXX which turned out to be false. They then correctly said it came directly from XXXX XXXXXXXX XXXX 

I was told by Sofi to call XXXX. I managed to get in contact with a XXXX rep who said Sofi 's credit score number is fraudulent and to report it to FTC or CFPB. 

By lowering my credit limit, my credit usage has gone up which will affect my credit score. SoFi refuses to do anything about their fraudulent reporting which is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-08-12 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: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-12 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I've have been a transient for XXXX i just stepped back into my life I've been on the streets across the now I'm a unknown victim this is causes me health issues please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I trying make a transfer from Marcus Bank XXXX XXXX XXXX Bank XXXX XXXX account, but they arent making. I gave every confirmation about myself that they asked, but they are still holding my money. They said that need to be sure about my transaction, but anybody solve it. 
The bank account that Im trying make the transfer is mine, theres my name, my XXXX and they are still holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian due to their repeated failure to adhere to their legal responsibilities to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The consumer disputes a consumer reporting agency. The consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file by paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I have disputed this inaccurate information with Experian multiple times, providing ample evidence to support my claims. However, Experian has consistently failed to conduct a reasonable investigation into my disputes and has continued to report inaccurate information.

This blatant disregard for their legal obligations has caused me considerable stress, anxiety, and financial hardship. I have been denied credit, faced higher interest rates, and been subjected to other adverse actions due to Experian 's negligence.

I urge the CFPB to take swift and decisive action against Experian to hold them accountable for their misconduct and to ensure that they comply with their legal responsibilities as a furnisher of information to consumer reporting agencies. 

XXXX XXXX Account XXXX Updated The item you disputed has been updated, which XXXX include an update to the disputed information. Please review your report for the details. 

XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. XXXX, a representative from Experian, stonewalled me and informed me that he and Experian do not remove accounts because it is not in their best interest.

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