vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
This is in reference to CFPB complaint XXXX that was sent to Transunion regarding inaccurate items on my credit report. I do not believe an investigation was conducted due to the response I received. Transunion stated that they were unable to locate a credit file for me which is not true because I have my Transunion credit report downloaded and will attach it to this complaint. I believe that Transunion is sending generic responses and not investigating, or Transunion removed all information from my credit profile which they have done before. Once again, I am demanding the following information to be investigated and removed from my Transunion report. If there is no information on my credit profile then Transunion will be under investigation because as my credit report dated XX/XX/year> will show, that I do have accounts in my name, under my SSN. Update my credit report immediately : 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 2024-03-18 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: OH

Complaint narrative:
Experian has FAILED on NUMEROUS occasions to accurately update my consumer report. I have also submitted multiple complaints to them on the following INACCURATE accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is required by law to investigate everything that is added to my consumer report. Experian also keeps failing to mention what methods were used to investigate to items furnished on my account. The false and negative items posted above, that Experian continues to furnish to my Consumer report are causing SEVERE FINANCIAL DAMAGE and SEVERE MENTAL HARDSHIP to MY 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 non-monetary relief
Consumer complaint received 2024-03-18 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: CA

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 2024-03-18 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: PR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: IL

Complaint narrative:
I was renting a home in Indiana from a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX did over {$43000.00} in repairs to this home and put me as the owner. I was never the owner of this home. XXXX XXXX evicted us out of that home and then sold that home and got paid for all of that work. XXXX from what I seen online was supposed to close this fraudulant account with me and refund me for their illegal activity in 2021. They did not. They continued to take money from me illegally. 

I never owned a home in Indiana. XXXX XXXX XXXXXXXX should not have put those repairs in my name. I live and own my first home at XXXX XXXX XXXX XXXX IL XXXX. 

This is the first and only home I have ever bought. I refuse to continue to pay XXXX for a metal roof and siding that XXXX XXXXXXXX XXXX did on a home that I never owned and was evicted out of by XXXX XXXX, This was fraud by definition and real estate fraud by XXXX XXXX. XXXX XXXX fraud against us almost XXXX my wife. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was told by the XXXX XXXX XXXX XXXX to not pay XXXX another dime. I never owned a home in Indiana. This home I live in now is the only home I have ever owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-03-18 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I made a purchase at XXXX for {$340.00} On XX/XX/2023 and the item was returned on XXXX XXXX, the statement Is not accurate! And also the company billed me and additional {$200.00} dollars! I think its XXXX! I made multiple payments and shouldnt have had a balance! I over paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Provided me with a report summary which is not proof of ownership and a right to collect on the debt. Failed to provide me with a purchase agreement to let me know whom has had ownership of the debt, how they can collect on the debt, if they can sue on the debt. Nothing was provided.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NY XXXX ACCOUNT # : XXXX Dear MIDLAND CREDIT MANAGEMENT, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL, FTC, OCC AND CFPB.

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
This is a Vanilla Visa Gift Card that was purchased XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  for {$50.00}. They do not keep their cards behind the register so I think this is a case where I became a victim to the gift card scam going around. I was not able to use the card and I looked up the balance when I got home and it said {$0.00} and that there were two transactions in XXXX, XXXX at XXXXXXXX XXXX  for {$25.00} each to something called XXXX ( which I looked up ) and it is a cryptocurrency fraudulent website to purchase a domain for {$49000.00}. I did not make these transactions. I have asked Vanilla gift card twice to listen to me and both times they said I basically had no proof and closed my case. Both times I was unable to speak to a supervisor and this case was opened XXXX, XXXX when I discovered this card had been used. I just want a replacement card. Clearly this is fraudulent and I shouldn't have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX XXXX I didn't authorize XXXX XXXX XXXX to run my credit and cause a hard pull. I contacted the XXXX and left a complaint. I also contacted Synchrony directly and was told I would have to contact XXXX to have the hard pull remove because there was nothing they could do on there end. I contacted XXXX on XX/XX/2024 by phone about this unauthorized hard pull and in addition was told I would have to mail a letter, which I did on XXXX XXXX. I still don't have an update or resolution to this urgent problem.

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 2024-03-18 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: MN

Complaint narrative:
XXXX XXXX i start disputing these accounts they have not completed investigation, accurate, fair credit act I have uploaded all the information to the website the XXXX, the FTC identity theft reports the police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX and Wells Fargo regarding a transaction issue I experienced with XXXX on XX/XX/XXXX. I sent {$1500.00} to my husband to pay our mortgage through XXXX using my bank account with XXXX XXXX XXXX XXXX. However, the funds did not reach my husband 's account and have seemingly disappeared. 

After contacting XXXX XXXX XXXX XXXX, I was informed that the funds would clear the next day due to a limit on my account. However, the funds did not clear on XX/XX/XXXX, nor on XX/XX/XXXX. I was then told it would clear by Monday, XX/XX/XXXX. On that day, I had a conference call with my husband, his bank, and my bank, only to be told that the issue was on Wells Fargo 's end. 

Wells Fargo claimed they did not receive the funds and my bank instructed me to file a dispute, which could take up to XXXX months to resolve. This delay is unacceptable as I urgently need the funds to pay my mortgage. I trusted XXXX XXXX XXXX XXXX to protect my money and I feel they should have at least issued me a temporary credit while investigating the issue with XXXX. 

I request your assistance in resolving this matter and ensuring that my {$1500.00} is returned to me promptly. I appreciate your attention to this complaint and look forward to a timely resolution. 

Sincerely, 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 explanation
Consumer complaint received 2024-03-18 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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-03-18 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
Since XXXX I have been paying student loans! I was put in default and wages were garnished when I should have been taken out of default after 5 years. I never got a call, received a letter regarding my loan status and or what my loan balance was. Since then I have paid XXXX! and still had a balance of XXXX! I applied for PSLF because I have been XXXX since XXXX and supposedly I was awarded that and am XXXX payment over the XXXX. I deserve a refund. I also am owed the XXXX in over payments which every month I paid XXXX a month, ( XXXX ) the fact that I never received information, payoff amounts, or any other documentation regarding the status of my loans is unacceptable! I nearly fainted when I saw the XXXX in total payments provided by my employer and to still have XXXX left! My school didn't even cost half of that! I could have applied for the loan forgiveness when I started XXXX but never got information. I have been misled for XXXX years regarding these Federal Loans! The financial strain this has put me in since the garnishment has been emotionally warring. I was robbed by the Federal Education System. Federal Student Aid made thousands of dollars off of my interest and not to mention late fees and penalties. I expect a refund for the XXXX in over payments and some if not all of the XXXX! I have called so many people and all the loan serving companies that were assigned to me have no idea where my payments are and or where they went to! I have documentation from my employer and will provide that to you. I have worked all my life, been on my own since I was XXXX and to have the Federal Government rob me of what I deserve is just horrible. I need help regarding this unfortunate situation. Feel free to contact me at XXXX or XXXX I look forward to hearing from you and recouping money owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX account is closed and paid showing no late payments on the XXXX report the account is not accurate. XXXX XXXX XXXX account is showing a balance of {$1700.00} when company issued a XXXX cancellation of debt this account is not reporting accurate.

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 2024-03-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX called my phone and said they needed to know where i worked so i could be served with a legal supbena of complaint ordered by a judge for collection of payment. I was accused of avoiding service, i will be arrested. I am XXXX XXXX XXXX, and it nearly gave me a hart attack. I contacted a criminal attorney, and the attorney checked the court docket website only to learn there was no complaint filed against me. I was ready to write them a check for {$9100.00} the company said they had a judgment against me. It was BARCLAYS BANK DELAWARE XXXXXXXX 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 explanation