vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

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 explanation
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-02-28 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: OneMain Finance Corporation
State: TX

Complaint narrative:
The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I received a credit card bill from Indigo by mail at home It was addressed to my correct name at my correct home address. 
I never applied for the card. 
It showed a fee due ( {$76.00} ) but no purchases. 
I called the number on the invoice and was transferred to their fraud prevention department. 
They said they would freeze the account, drop the charge, and they asked me to file a complaint at www.identitytheft.gov, then send them the affidavit I would get as part of the process, at which time they would close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
The name of the collection agency is XXXX XXXX XXXX XXXX ( XXXX ). 
The dept is from XXXX XXXX according to them, I did attended the hospital in XXXX But not the date that the collection gave, I was not seen by a doctor, I did perform XXXX  and drip was given to me by a nurse, and final bill was sent to me and I paid it in full. XXXX XXXX is a fraudulent collection agent, for the following reasons, when I saw the report on my credit report, without account number and I did demanded for the details and they collected my SSN, date of birth and recorded it, I do asked them for the number of the original debtor but it was withheld from me, I called the hospital to request for the details and no details was produced or found. 
This fraudulent act caused me a new job that I got, due to financial delinquencies. I need it removed and deleted from my account without a trace. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

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 2023-02-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I repeatedly requested to delete this information as it did not originate from me! 
Requests were sent to Experian, XXXX XXXX XXXX without response.

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 2023-02-28 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: FL

Complaint narrative:
Since XXXX and as late as XX/XX/XXXX be trying to get TransUnion to comply with 15 USC subsection 1681b/ 1681 ( 2 ) ( a ) ( i ) and 1681s-3.

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 2023-02-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the listed accounts below : Account name : 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 2023-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  to lendmark financial services has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 B A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I recently filed a claim for credit not posted. The merchant cancelled my online order/deposit and sent me an email confirmation that I would be refunded, however I never received the funds. I opened a dispute with Chime to get help recouping these funds, and was given a temporary credit. 

I sent over all the necessary documentation to Chime ( including a dated credit slip screenshot of the email from the merchant confirming all of this information ) which should have been an easy win in my favor. Instead, Chime emailed me correspondence from the merchant claiming the charge was valid and made by me because I have an account and made previous transactions. This has nothing to do with the claim reasoning, as I have done business with the merchant and the charge was not fraudulent - the reason for the dispute was credit not posted due to a cancelled purchase. 

Chime has abruptly closed my claim and deducted the temporarily credited funds from my account, making me negative and unable to use it. I will be appealing this decision with Chime, and Im opening this complaint to hold Chime accountable during this process so there are no more abrupt closures, as theres no reason why I have lost this claim. I need my documentation attached to the claim and reviewed by the investigators, my negative balance replenished with a final credit, and this dispute closed in my favor with the evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
BSI is trying to bully me into automatic payment plan by refusing to deposit my payments and fining me : My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX My XX/XX/XXXX payment was deposited XX/XX/XXXX when the next check in the series to another vendor was deposited XXXX I was fined {$63.00} twice now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
My Hyundai XXXX financed by Hyundai Motor Finance was stolen ( due to the wave of Kia/Hyundai break-ins that have occurred in XXXX  ) on XXXX. I promptly let my insurance companyXXXX XXXX, and HMF know about the theft that day and started a claim. On XXXX I accepted a total loss settlement from XXXX  due to the car being recovered and found beyond repair. XXXX then reached out to HMF for a payoff amount for the vehicle and was told {$9600.00}. On XXXX XXXX sent HMF a check for {$9600.00} which they accepted and cashed. Since XXXX HMF has claimed that they need additional money from me with no explanation as to why. XXXX closed the claim after the check was sent and I thought the matter was handled. I now have a balance of {$11000.00} on my credit file that is 60 days past due from HMF for the balance of a totaled vehicle that has been taken care of by my insurance company. With how poorly run HMF is and how they settled for {$19.00} million in fines for false credit reporting back on XX/XX/ I find it really hard to believe anything they are telling me and refuse to be harassed anymore. I want them to close my file for the totaled vehicle ( Just like my insurance company XXXX did on XXXX XXXX and remove the balance from my Credit Report so I can move on in peace.

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 2023-02-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX BofA had a savings account offer for a {$100.00} bonus offer if you deposited {$1000.00} within thirty days of opening an account and maintained that account for a required period The account was opened on XX/XX/XXXX. I made a deposit on XX/XX/XXXX, the promotion required I maintain the account through XX/XX/XXXX ( I still have the account open and funded ). The confirmation stated I would receive a bonus by XX/XX/XXXX. As of this writing no offer was received. 

I contacted BofA in early XXXX and was told to wait until XX/XX/XXXX, XXXX As of XX/XX/XXXX I have not received the bonus offer. During a follow up call on XX/XX/XXXX the representative was unable to locate the offer and I would have to wait up to sixty days for an investigation to be complete. Unacceptable. I have already waited sixty days from the date BofA said funds would be deposited.

Included is a copy of the statement showing funds deposited as required, a current statement, and the confirmation I qualified for offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/2022 I deposited a check thru my banks automated system. My bank accepted the check and sent me an e-mail on XX/XX/2022 letting me know that the check was successfully deposited, so I could go ahead and destroy the check and then gave me the details of my deposit. [ I did not destroy the check ] This check was for {$600.00}. I made XXXX small purchases on the XXXX and then on the XXXX of XX/XX/2022 I went to make a with draw and seen that the bank had frozen my account because they that I had made a fraudulant transaction. I contacted them and they said they were doing an investigation that would take up to XXXX days and then they would contact me at that time. I was contacted by a gentelman on XXXX I believe he told me that the investagation was complete and they deemed that I was not quilty of fraud and that my funds would be made availiable with in XXXX hours and the conversation was over. I waited for XXXX hours and my account was still frozen. it would take me at least another hour to tell you everthing and all the phone calls that I have made since then including XXXX I just made once again. I have a folder full of just some of the things I have been ask to do to get my money I have done everything they have ask of me and know they won't even talk to me or return a call. thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 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: WI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I went to my bank Truist on XX/XX/ and asked that my business 's checking and savings account be closed. I was told it may not happen until the next day until a check cleared, which was written on the same bank. The next day came and the bank lady called me at an inopportune time to talk to me for some reason. 
I could not talk and told her to close the account again! 
The next week I see that the account had some drafts against it for overdraft fees and I went to the bank again and told them the account should have been closed and those drafts would have gone back to the vendor and they would have notified me but instead the bank paid them and charged me a fee for which they said would be reversed. 
The bank could not figure out how to reverse the {$36.00} overdraft fee. 
I sent my husband to the bank with the cash to pay the XXXX 's that were not supposed to be paid but alas, they were, and for getting the account closed. 
They still have not closed the account and other drafts have come through and the bank paid them instead of denying them as the account should be closed. 
I have since contacted all agencies that have that account and changed the XXXX 's. 
The practice of keeping an account open when told to close is should be illegal. 
Please advise.

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 2023-02-28 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: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 2023-02-28 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: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation