vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: MA

Complaint narrative:
I have debts and credit cards and a light bill from XXXX XXXX a credit card from XXXX and a card from XXXX that arent mine on my report XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account numberXXXX XXXXXXXX XXXX Account numberXXXX XXXXXXXX XXXX  Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This mistaken late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I am appealing you to correct this error promptly by removing it from my account, as it does not accurately reflect my payment habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
Good afternoon. XXXX is giving me a hard time regarding this situation identity theft. Even when I gave all the required documents.I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a third party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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 attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
These accounts were not created by me, and I believe they are fraudulent. I am respectfully asking you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Payment was made on the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Regional acceptance charged a late fee of {$44.00} on XX/XX/XXXX and XX/XX/XXXX even though payment was made. They are also reporting incorrect information on my credit report. 
A renewal was completed on XX/XX/XXXX for payments of {$120.00} on the XXXX of the month. Which does not reflect 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 2024-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My father passed away XX/XX/year>. He has XXXX account with Merrill Lynch by Bank of America. The Account has been awarded to me in XXXX XXXXXXXX MI probate court with a decree of Determination of Heirship in a formal probate hearing. I have submitted my court documents as well as the other documents asked of me and Merrill Legal team has denied my documents are accurate probate documents and have not released the fund to me. They have asked for Letters Testamentary or small estate affidavit which my dad 's probate does not qualify for based on asset amount and date of death. I tried to explained to the rep but they stated they have to wait for the legal team whom does not have a customer number or email available so me or my attorney can contact. I have been denied access to speak with any type of supervisor directly, they have responded that a supervisor will schedule to call me back in 24-48hrs ( which they haven't ) and the legal team will reassess my documents in 3-5 business days, AGAIN. Every time i call the life services department i receive the same response. There is no courtesy for this been sent back incorrectly and ignorance to MI probate law. Its stressful enough dealing with your parent passing and handling all their affairs, probate court, attorney fees, funeral expense, and arrangements and have to argue with a bank about their account that has already been grated by a court of law. 
Case # 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 2024-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
- In XX/XX/XXXX, Lexus Financial my leassor sent a check to XXXX XXXX XXXX Tax Collector WITHOUT notifying me as a customer. Lexus did not send any correspondence to my billiing address on file. 
- In XX/XX/XXXX, a fee in the amount of {$820.00} was included in my monthly bill. I immediately notified Lexus Financial of the billing error. 
= The agent informed me that it was Property taxes. I informed her of my XXXX  status and my vehicle registration in the state of Florida. She assisted me in making a request to the support center because the SCRA information was not annotated on my account. The inquiry was closed without further justification. I will attach the picture of the memo dated XX/XX/XXXX. 
- I followed up again in XXXX. This time I was informed that the process would be faster if I reached out to the county assessor and had them start the process. Lexus informed me their process normally takes 6-8 weeks. I informed them of my lease end in XX/XX/XXXX. I was affirmed we have time. 
- I worked with XXXX XXXX XXXX, whom acknowledged that this was billed in error and it would need to be submitted to their board of equalization dated XXXX XXXX, XXXX. Please see attached email pdf board of equalization. 
- XXXX through XXXX, I made a serious of phone calls to Lexus to check on the status to no avail. 
- On XX/XX/XXXX, I called to check on the status of the check. The agent explained, a request was never submitted but she would create one. She could see where a called and understood why I was frustrated but was willing to submit a claim. 
-Since this date, I've made a serious of phone calls and finally received an escalation on XX/XX/XXXX, however, I was told it would take 6-8 weeks from XX/XX/XXXX. I asked could they direct me to the tax or finance department but they stated there is not a direct line. I requested a mailing address to verify the check was sent to the right place however, the agent said, " The county should have it. '' I was baffled. I explained I needed to verify the address if she is stating they had not received the refund issued back to Lexus by XXXX XXXX XXXX. She reiterated, " They should have it ''. I told her that I had nothing further, if there was not another person or department she could transfer me to. She then confirmed there isn't. 
-These are deadend calls to an unknown agent that isn't willing to go beyond their script. Its absolute incompetence!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I sold a vehicle XX/XX/2024 that had an open lien with bank of America. They sent a paid in full letter, but can't manage to provide a notarized lien release required by the dmv. They've wasted hours of 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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
My wife normally pays our credit card balances every month. When I didn't receive a product I purchased or a receipt online for something I went into my Discover Card account online and in the process noticed a " payment protection plan '' fee was appended to monthly bills. I have never signed up for something like this and noticed more than {$580.00} in payments we made over the last XXXX years. I called Discover to 1. Cancel this. 2. Provide a full report on how much and how long we had been paying into this, and 3 ) to file paperwork for reimbursement. We received an email confirmation of the plan being canceled but never received follow-up on the other two requests. I called back XXXX weeks later to follow-up, was put on hold multiple times and was then told I had signed up online in 2005 and that this type of plan couldn't even be authorized over the phone. I again asked for a follow-up to history and reimbursement. The rep said she filled out forms and that a supervisor would have to review and " may '' call me back. That's where I am now in the process. I suspect Discover bilked approximately {$5000.00} over 19 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/24, my account had just over {$700.00}, I transferred {$300.00}, to make just over XXXX. I withdrew {$220.00} from an ATM, leaving {$800.00}. I made 3 deposits totalling {$1400.00}. My balance, which I have a Screenshot of says {$2300.00}, but the balance up top only shows {$1800.00}. I immediately stopped all transactions, and use of that account, to find out what was going on, this on XX/XX/24. No use at all. Then the account drops to {$1800.00}. So I called to find out why the balance is reading all these different things, all unmatched from the accounting the rep briefly mentioned. He said there was XXXX XXXX  in the account, I immediately emailed all the shots I have, all different numbers, nothing ever matches. The rep sent one email, saying as of XX/XX/24 the balance read {$840.00}. It doesn't show the 3 deposits totalling {$1400.00}. If you add XXXX XXXX, you get the {$2300.00}. Still the balance reflects {$1800.00}. There is something wrong, and I'm getting nowhere. This company refuses to help, they promised an escalated response within 24 hours, and 48+ hours later, still nothing. I desperately need help. My contact information is XXXX XXXX cell. My name is XXXXXXXX XXXX  and I can forward all the emails, and screenshots I have. The Division of Banks I'm Massachusetts referred me to this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX XXXX {$200.00} was deposited into my Chime account, I attempted to transfer the {$200.00} to my linked bank account, Chime wouldn't allow the transfer. On the morning of XX/XX/ Chime informed me via email that they'd closed my account. Upon. calling customer service regarding this matter I was informed that my account was closed because I was not in compliance and therefore was not eligible for a refund. Regardless of whether or not I was in compliance, which by the way, I had no idea I wasn't and no opportunity to correct, that is my money, I didn't buy anything from them nor owe them anything. They should give me my {$200.00}, they had no right to take/steal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
Improper use of my private credit report. I did not give permission for this company to access them and provide false and misleading information on them. This was a checking account and NOT A LOAN as stated on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: WA

Complaint narrative:
These inquiries were not initiated by me, and I believe they are identity theft. I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.

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 2024-04-12 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-12 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-12 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: OR

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I kindly request that you thoroughly investigate and promptly remove them 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 2024-04-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Easier Funding, LLC
State: NY

Complaint narrative:
I was working with 60-day credit repair for more than 90 days to get a credit boost when I decided to cancel due to no chance to my credit. I reached out several times to cancel this membership/ charge. After a year later after I canceled this service I received a bill for {$1500.00}. No change to my credit has been taken.

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 2024-04-12 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: WA

Complaint narrative:
These inquiries were not initiated by me, and I believe they are identity theft. I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-12 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Bank is in Breach of my card member Agreement. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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