vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Two days to closing and we still haven't received XXXX XXXX - Credit approval, nor had a Closer assigned. I don't know what they're waiting on/for. The appraisal came back on XX/XX/XXXX. Closing is on XX/XX/XXXX. Two months since the purchase contract was signed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
We, my wife an I received a letter from XXXX XXXX XXXX XXXX where they were trying to collect a utility debt for XXXX XXXX. I disputed the debt over the phone and they still sent a follow up letter. I disputed that by saying the supposed debt occurred in Texas and we never lived in Texas nor did we, my wife and I ever have an account with XXXX XXXX as we live in California. 
The letters were addressed to my wife, XXXX XXXX. This is not our debt and On Line wanted her s.s. Number and we were unwilling to provide that to protect our identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XXXX i submitted a complaint through cfpb, and experian has verified the account in question. 

XXXX XXXX XXXX  Account number XXXX a charge off with a balance of {$550.00} Is the account I disputed Experian has said they verified this as accurate and has not removed it from my report. how can you verify a charge off with a balance. 
a charge-off means that your creditor has reported your debt as a loss, so if they written off as a lose on there books how could there still be a balance reporting on that account. 

my rights are being violated and it is also older than 7 years since n should be removed regardless

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XXXX XXXX Credit Card paid in full, XXXX, credit reporting reflecting as " paid in full '' and past due simultaneously. Called their customer support number provided by experience, spoke with representative XXXX who would not provide any additional information about himself. He advised that the account would not reflect as paid in full until XXXX, was rude and provided inaccurate information. Advised that I could hang up and call again to speak with someone else if I did not like his response. I advised multiple times I would like to dispute the reporting that is reflecting past due for XXXX. Credit reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX a thief breaking in to my car and rob my purse with my driver liscense ; my debit card ; banking cards and my Credit cards i call the Police i reportevery institution about it but they still tryand went to the Banks and tried get money from my accounts ; they did get money from my truist bank it happen on XX/XX/2022 ; i wish somebody can be more alert with this froud and ill be better if they alert me at any suspicion of fraud thanks

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 2022-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had an existing Accelerate Savings account with $ XXXX. Yesterday I transferred an additional {$49000.00} to the account bringing the balance to $ XXXX. I woke up to find that I was locked out of my account for " fraudulent activity '' and when I called customer support was told that they were locking me out of the account and would send me additional information in 30-60 days.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, 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: NY

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 XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : XXXX XXXX XXXX XXXX  : # XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX XXXX  : XXXX XXXX XXXX XXXX  : # XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX, I purchased a XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX, it's now XX/XX/XXXX and I haven't received my car title. 

I have contacted Hyundai Finance in writing in XXXX of XXXX, and I have called multiple times, in writing, I have contacted XXXXXXXX XXXX by phone and in written ( XXXX of XXXX ) for my title to no avail. I have recently ( XX/XX/XXXX ) conversed with Hyundai Lease Titling Trust directly to resolve this issue to no avail. Since XX/XX/XXXX of XXXX I have been calling and requesting every intity involved to aquire my title, as of XX/XX/XXXX I have yet to receive my car title. I have also visited my local tag office in XXXX, Georgia to aquire my title, I was informed the title hasn't been released from Hyundai Lease Titling Trust. 

It is my understanding, by law, a company has 30 days to issue the consumer their title. 

Please contact me on how to pursue this urgent matter. You may email at XXXX, or, you may contact me by my cell number at XXXX Cordially, 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Beginning in XXXX of XXXX, I filed several disputes regarding XXXXXXXX XXXX XXXX regarding the amount owed and the balance. As well as that they were reporting it twice on my credit report. I also asked for a personal statement to be placed on my account and it was not. 

Transunion indicated that they XXXX XXXX had verified the debt, but did not demonstrate how they verified the accounting ( balance ) to be accurate. Nothing was addressed regarding the duplicate reporting on my credit report by either XXXX XXXX or TransUnion. Some months back I had also filed a dispute regarding it being a duplicate. 

I further supplied them with written correspondence from XXXX XXXX that admitted that they had not provided me with statements and offering me a settlement check. I have requested numerous times to have an accounting but only have been provided data entries that do not demonstrate the reduction in principal and interest. As well as, the balance owed being reported as different amounts at different times to different entities including myself. 

On XX/XX/2022, by certified mail # XXXX I wrote TransUnion as a follow up ; it was delivered XX/XX/2022. 

Under the Act I requested that they remove this inaccurate information and place a statement on my credit report. To date they have done neither.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX submitting this complaint against Experian and their is no third party involved as of today XXXX XXXX your company is entering a binding contract. Also your company is hereby to delete these accounts within 3 business days i will seek legal up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.

In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

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 2022-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Beginning, Of this year XXXX I Started Checking on my personal credit. Upon Requesting a annual credit report, I discovered numerous negative derogatory reporting on my personal credit report. It was clear to me that someone committed fraud by using my name and personal information without my knowledge and authorization to obtain three separate student loans in the amounts of {$44000.00} XXXX, {$30000.00} DatedXXXX, {$10000.00} Dated : XX/XX/XXXX. All Unauthorized, Unrecognized, And Unknown. I immediately contacted the company NAVIENT I spoke to several Acct. managers and informed them that my name and information has been compromised by fraudulent activity and this loan was not authorized by me. They didn't seem to be concerned about my alert to the fraud. I requested proof of all signatures and documents They sent me a fraud package to fill out and return back to there fraud department and wait for a response. After, receiving there bogus false loan documents with Someone else name on the documents with other information on the person crossed out I was furious. I made numerous back and forward heated calls with this company it was apparent that they had no clear intention on assisting me with my issue. They where only using the opportunity to communicate to just collect as much information in conjunction to what the already had to only use it to update there system. My fraud report fell on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On the following Date XXXX XXXX Navy Federal Credit Union withdrawn payment of {$1100.00} from savings account to apply towards an charge-off unverified debt of {$12000.00} for a credit card account after Navy Federal Credit Union passed debt off to third-party agency that could not collect on the debt and ceased debt collection practices. 

On XX/XX/2022 filed a complaint with CFPB ( Complaint # : XXXX ) and XXXX XXXX XXXX to report Navy Federal Credit Union for fraudulently withdrawing funds from savings account and reporting an unverified debt to credit reports with inaccurate information XXXX, XXXX, and XXXX. 

On XX/XX/2022, Navy Federal Credited the {$1100.00} back to savings account and reported charge-off unverified credit card account as delinquent as of XX/XX/2022 to XXXX, XXXX, and XXXX on credit reports. 

Credit Score was decreased by several points. Navy Federal Credit Union are conducting unfair reporting practices under the Fair Credit Reporting Act to destroy credit score and financial reputation. This is retaliation for reporting their wrongful actions for withdrawing money from savings account to collect on unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I file a dispute with this company XX/XX/ LAW OFFICES MBA for {$1200.00}, because i didn't do this it was fraud and they denied my dispute saying that it was me i explained to them it wasn't and that i was just going through my report and there is multiple things including address that i never even lived at on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
i want capital one delete, remove, credit card charge that was paid off! under 15 us code 1681d

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.

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