vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
On XX/XX/year>, I sent a Notice of Dispute regarding fraudulent accounts on my consumer report to XXXX Fraud Department via certified mail ( Tracking # : XXXX ), delivered on XX/XX/year>, at XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite this, my follow-up on XX/XX/year>, with XXXX XXXX ( ID : XXXX ) was met with rudeness and no assistance. Escalating to Agent Dev ( ID : XXXX ) and Supervisors XXXX ( ID : XXXX ) and XXXX ( ID : XXXX ) yielded no clarity. On XX/XX/year>, I spoke with Agent XXXX ( ID : XXXX ) and Supervisor XXXX ( ID : XXXX ), with similar unproductive results. I reported this to the police, and a report ( # XXXX ) was included in my original certified mail. 

XXXX negligence and unprofessionalism caused extreme XXXX, leading to an XXXX episode, a hospital visit, and ongoing therapy. 

I demand immediate acknowledgment of my dispute, a transparent reinvestigation of the fraudulent accounts, and compensation for the harm caused. If unresolved, I will escalate this matter legally under the FCRA and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: PA

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
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 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, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, I already comply all the needed detail.

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 2024-11-22 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX and XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/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 2024-11-22 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
See complaint XXXX. 

Since that time I have been continuously trying to negotiate a settlement payment with the lender. I have also paid most minimum interest bills on time. 

The lender refuses to offer me an affordable settlement option for this account. I have repeatedly asked for a 48-60 month repayment term to no avail. I continue to be in financial hardship, and am willing to make a deal with this lender to get this account repaid. However, the settlement offer this lender has offered to me requires three significantly high payments, which I simply can not afford.

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 2024-11-22 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
I was in the process of refinancing my mortgage and the refinance never was completed. One payment from XXXX of this year was late due to the refinancing not being completed. I than proceed to pay the month of XXXX and the current due month of XXXX and both payments were removed from my account in a total payment of {$4300.00}, The Mortgage company than proceeded on XX/XX/XXXX to take an unauthorized third payment of {$2000.00} which led to my bank going into over {$1100.00} in overdraft fees. I did contact the mortgage company which led to a series of unanswered question and roundabouts. they first said I'd receive the money back within 2 weeks, however than said it wasn't sufficient enough and they had told me that it would take 21 days to receive a check in the mail. they however still haven't returned the extra payment that was withdrawn from my account and will not answer any question or answer anything about the money taken from my bank. the bank is trying to reverse the payment however they are having a hard time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CT

Complaint narrative:
IMY CREDIT INFORMATION IS INNACURATE, THERE IS A SOCIAL SECURITY NUMBER THAT IS NOT MINE. 
MY ITIN NUMBER IS 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
IMY CREDIT INFORMATION IS INNACURATE, THERE IS A SOCIAL SECURITY NUMBER THAT IS NOT MINE. 
XXXX XXXX  XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Experian Information Solutions Inc.
State: OH

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 XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase refused to refund me the credit of {$1200.00} for a service I never received. 

Transaction date : XX/XX/XXXX Service : Flight ticket scheduled for XX/XX/XXXX Amount : {$1200.00} I made a disputed on the charge on XX/XX/XXXX to Chase because I suspected the merchant didn't issue me the ticket. Based on the letter from Chase as of XX/XX/XXXX, the merchant claimed they have issued a ticket and it was valid for travel, and so Chase confirmed it is a valid transaction and closed the dispute. However, on XX/XX/XXXX, I discovered the ticket had already been canceled and refunded without my consent. Despite numerous attempts to contact the merchant, I have received no response regarding if or when I will receive my refund. 

I attempted to reopen the dispute with Chase by submitting the proof that the ticket has been cancelled and refuned. but Chase refused to reopen the dispute and ignores the fact that I paid for a future service that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: AR

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I received a loan from affirm in early XXXXXXXX XXXX XXXX XXXX my account was frozen due to fraudulent activity. I made numerous attempts at getting the account unlocked and was ensured affirm would be doing everything they could to recover my account. After months of not being able to make a payment due to being locked out. I have customer service a total of 6 times to attempt to get this resolved in fear of going to collections, on the last phone call I had with XXXX XXXX from affirm customer service I was told I would not be held accountable for the balance. I actually had her send this to me in writing because I had a feeling this would not hold true. Today ( XX/XX/XXXX ) I received an email from the debt collector, XXXX, I have forward this email to them and am now waiting on the response but I would hate for this same thing to happen to more people ( which by the looks of it, via reviews, its has. ) Affirm has very poor customer service and I highly recommend anyone thinking of using their service to think twice. I also now have to monitor my credit through mytrueidentity.com due to the leak from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, I already comply all the needed detail.

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 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have tried to input new bank account numbers to be able to get my funds from them selling my XXXX  without my permission. They keep telling me to go to the app to do that! IKEEPTELLING THEM THEY CLOSED MY ACCOUNT AND I CAN NOT GET INTO MY ACCOUNT!! and they send the same XXXX XXXX answers over and over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
Unauthorized inquiries appear 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 explanation
Consumer complaint received 2024-11-22 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against Experian for Reporting Inaccurate Information Dear Sir/Madam, I am writing to formally file a complaint against Experian regarding inaccurate reporting of information related to my XXXX XXXX XXXX XXXX I noticed today XX/XX/scrub>XXXX that I was deducted XXXX points. I should have not been deducted points.This inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXX XXXX XXXX  closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by Experian. I have Enclosed my recent credit card statement and screenshots demonstrating that Experian has deducted XXXX points from my XXXX XXXX. 

These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that Experian corrects these errors in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My uncle, who was a XXXX account holder in Iowa, passed away on XX/XX/XXXX. I was the XXXX and XXXX of his will and estate. After weeks of calls I was finally able to upload all the documents requested and on XX/XX/XXXX was told that all documents had been uploaded in order to close the account. I was instructed to schedule a branch meeting to close the account. 

I live in Tennessee and the closest branch is in Georgia so it requires a lot of time to go to a branch. I scheduled a meeting at XXXX on XX/XX/XXXX to close the account. 

There I learned that I did not have all the documents that XXXX required and that XXXX of the forms ( Letters of Appointment ) needed to be a " true copy '' designation and they would not close the account without it despite me being told previously that all documents were in order. 

So I had to go back to Tennessee and request additional court documents from lawyers in Iowa ( documents I would have been pleased to obtain had I know ). I was able to get the " true copy '' and rescheduled the meeting to XX/XX/XXXX. 

During my XX/XX/XXXX meeting I presented the requested True Copy of the document but then learned that XXXX objected to my name on the Letters of Appointment not being a perfect match to my drivers license and passport and that I would need new letters of appointment that perfectly match my drivers license and passport. However in the XX/XX/XXXX meeting, I was instructed to get a True Copy of the document that I had offered but no mention was made that I needed to alter the name. 

Funds are sitting in a non interest bearing account and XXXX other more sizable non XXXX accounts have been closed months ago with the documents that XXXX has objected to and requested modification to twice. I have no idea what will be objected to next and it just feels like XXXX is making it impossible to close this non interest bearing account that is preventing me from managing and closing this estate. 

I have all the XXXX case numbers that have been assigned to this mess.

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 2024-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Dear CFPB Team, I am writing to formally file a complaint against Hyundai Motor Finance regarding the repossession and mishandling of my late mothers vehicle, a XXXX Hyundai XXXX, which occurred on XX/XX/XXXX. The series of events surrounding this repossession and subsequent actions by Hyundai Motor Finance have caused me significant distress and financial harm, and I am requesting your assistance in resolving these issues. 
Background and Details 1. Repossession Circumstances : Hyundai Motor Finance repossessed the vehicle without providing adequate confirmation to me, leaving me uncertain whether the car was taken by them or stolen, as the XXXX Hyundai XXXX is one of the most targeted models for theft due to its lack of a passive engine immobilizer. This vulnerability is a known manufacturing defect acknowledged by Hyundai in a class-action lawsuit settled for {$140.00} XXXX on XX/XX/XXXX. Although my late mother is eligible to participate as a class member in this lawsuit settlement I have been barred from representing my mothers interest and I want that rectified immediately. 
2. Communication Barriers : Despite notifying Hyundai of my mothers passing and initiating estate proceedings with the Probate Court of XXXX XXXX, Georgia, in XX/XX/XXXX, Hyundai refused to communicate with me regarding the repossession, citing privacy concerns. This was inconsistent with their prior willingness to accept XXXX payments from my checking account. 
3. Car Retrieval Issues : After weeks of effort, I retrieved the car from the XXXX Auction in XXXX XXXX, Georgia, at the end of XX/XX/XXXX. I was charged {$170.00} by XXXX and additional fees by Hyundai that were never itemized despite my repeated requests for a written breakdown. 
4. Vehicle Condition and Concerns : Upon retrieving the car : o It was significantly dirtier than when it was repossessed.

o The odometer showed an increase of XXXX miles. 
o Items such as empty snack bags and tissues were left inside, suggesting unauthorized use. 
o My phone was no longer the only device synced to the car. 
o The driver-side door handle is now loose and insecure, likely damaged while in Hyundais possession. 
XXXX. Outstanding Title and Reimbursement Requests : Despite assurances that the car title would be delivered within XXXX business days, I have yet to receive it nearly a month later. Additionally, I am seeking reimbursement for unauthorized mileage, repairs to the cars door handle, and compensation for Hyundais failure to safeguard the vehicle while it was in their possession

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