vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a credit monitoring alert at XXXX in the morning from my Chase XXXX banking app, that there had been a NEW hard inquiry placed on my credit report from XXXX XXXX. on XX/XX/2024 I called XXXX ( the bureau that alerted me ) and had a Fraud alert placed on my XXXX account. 

Next I called XXXX XXXX and spoke with their fraud department and was told there was nothing I could do but dispute the hard inquiry with XXXX. 

I was told by the XXXX XXXX fraud agent, that it was probable that my social and other info was being used by someone else to commit fraud, and that there was nothing he could do. 

He mentioned that he could not find any accounts with my social, name or phone number. 

I have indeed disputed the hard inquiry with XXXX and was told it would be removed from my credit file within a few 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 non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE GROUP ( collection agnecy ) XXXX XXXX XXXX XXXX ( creditor ) this is a collection agency reporting to my credit for {$370.00} without verifying the details as i called them dated XX/XX/2023 to get details of the debt, they did not provided me accurate info instead they asking me my details. 

called XXXX even they are not providing their email for communication ( time XXXX XXXX XX/XX/2023 ) Spoke to XXXX XXXX on XXXX XX/XX/2023 XXXX XXXX and still he did not provide the comapny email address after request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: VW Credit
State: TX

Complaint narrative:
Will not send title and bill of sale Please do a search on XXXX  for Audi finance, there are multiple complaints I paid off my car in XXXX. 

Is this a possible class action?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A sum of {$4100.00} was taken from my NFCU account between the end of XXXX and when I noticed it the beginning of XXXX. A company that goes by the name XXXX XXXX  started taking money from my account several times a day ; ranging from a few cents to {$100.00}. I didnt notice it until I was trying to buy something from the vending machine at my job & it declined. I then went to my mobile app & saw I didnt have any money. I immediately contacted NFCU, explained what had happened and they instantly cut my card off. I was told an investigation was underway and they would contact me with the results. A few weeks passed & no corespondents from them so I called them only to hear the investigation was completed and they had confirmation from the other company that the charges were in fact mine. I told them they werent & they said they would do another investigation. This was the middle of XXXX. I was called XXXX  XXXX XXXX and asked about suspicious activity on my account by another company thats when I asked about the investigation. They told me it was still pending and it would take 44-60 days. I let her know its been pending since XXXX. She then said just wait till they contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a loan with Wells Fargo, they repossessed the car and sold it- now I owe over {$15.00} still from a $ XXXX loan. I need assistance and a referral to resources to look into my case to see if this qualifies for illegal repossession. I even tried to make a payment at the bank while payments were overdue and they refused and repossessed the car soon after. We are well aware Wells Fargo predatory practices.

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 2023-03-15 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: FL

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. 

XXXXXXXX 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. 

XXXX5 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 2023-03-15 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: Experian Information Solutions Inc.
State: FL

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. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Law Offices of Garry L. Hayes, a professional corporation
State: NV

Complaint narrative:
On XX/XX/XXXX an unsigned Writ of Execution ( dated XX/XX/XXXX ) was received by my employer and was sent to me via email on the afternoon of XX/XX/XXXX regarding wage garnishments. I contacted the company listed on the Writ as the plaintiff XXXX XXXX XXXX XXXX XXXX  XXXX ) in which they advised they don't have the file and I have to contact the attorney listed on the Writ. I then made several attempts to contact the attorney ( Law Office of Hayes and Welsh ) by phone on the number listed on the Writ of Execution which is XXXX, and spoke with XXXX XXXX who confirmed she received my voicemails and forwarded them to XXXX XXXX who is the attorney working on this case. However, after many attempts made to contact XXXX XXXX, I had not yet received any call back to discuss this case as of XXXX XX/XX/XXXX. I have never received a court summons for the hearing that created this judgement against me nor have I received the Validation Notice that they are required to send me prior to garnishment. The Validation Notice is to include a full accounting of debt principal, interest, original loan date, and current amount due as well as original creditor and account number. This debt has not been verified nor confirmed by me as being a legitimate debt. This debt does not reflect on any of my credit reports that I recently pulled as of XX/XX/XXXX. I had filed XXXX XXXX Bankruptcy in Hawaii on XX/XX/XXXX so all existing debt at that time was discharged and furthermore, I paid off all open collections listed on my credit report as of XX/XX/XXXX. I then submitted a letter of dispute by dropping it off to the attorney 's office as well as mailed a certified signature receipt required copy via XXXX yesterday XX/XX/XXXX. I have been living in XXXX XXXX since XXXX and did not make any new loans. All companies involved ( whoever the original debtor is ), XXXX XXXX XXXXXXXX XXXX  XXXX and the Law Office of Hayes and Welsh did not follow the CFPB regulations. Only after I left another voice message for the attorney stating that I was filing a complaint with the CFPB and Federal Trade Commission did I receive a phone call back which was at XXXX ( PST ) on XX/XX/XXXX. I then met with him when I dropped off my attached letter of dispute in which he stated he will contact his client to remove the Writ of Execution of wage garnishments and advised he will hopefully hear back by the end of the week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My issues were not addressed. I asked Equifax to verify all items on my report and they did. They stated that everything was accurate without providing any proof. I provided all the accounts and highlighted all inaccuracies. Under the FCRA Bureaus are required to have a copy of the original creditors documentation on file to verify that the information they are reporting is actually mine, and it also has to be correct as well as accurate. When asked to verify bureaus are supposed to provide original copy 's with my original signature as verification. Equifax did not provide this information. They just stated that the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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:
INQUIRY WASNT MADE BY ME NOR DID A FDIC or NCUA member institution requested these inquiries. 

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 XXXXXXXX I submitted a dispute and no proof of validation came back for such inquiries I tried to get removed previously.

Its affecting my ability to apply for credit cards and 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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
i used my debit card at truist bank to enquire about my account ballance with another bank 3 times in 1 week. i was never imformed that there was a fee involved {$2.00} for the transaction. if ever i requested money from a atm that was not my bank i have always been imformed that there would be a fee and do i agree to that fee, but in these three cases i was never imformed of an inquire fee and i think that they took my money without my consent.

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 2023-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
CURRENT DUE DATE : Your current due date is XX/XX/2023 PAYMENT FREQUENCY Biweekly START DATE CRITERIA In order to set up bi-weekly automatic payments the loan must be paid ahead by 1 month at this time. If your account is paid ahead 1 month you will need to select a Draft Start Date that will ensure a full payment ( 2 bi-weekly draft installments ) is received prior to the next due date and allows the account to continue to be contractually paid 1 month ahead. 

PAYMENT DATE Please select a draft day of the week ( XXXX ) that is most convenient for you. The day of the week selected will remain the draft day for the duration of the ACH enrollment. Your payment will be drafted on this day every other week. XXXX half of the monthly payment amount will be withdrawn every other week. In a years time, 26 voluntary drafts will be made. Every month, each draft will remain in the suspense account unless/until the funds available in the suspense account reach the amount required to satisfy a full monthly payment, at which time the funds will be applied to the account in accordance with the terms of the loan documents and/or other direction, as provided. 

Please Note : Every XXXX draft will be applied as a principal reduction. 


Wednesday MONTHLY PAYMENT : The current contractual payment amount is {$2100.00} Please Note : All drafts will include principal, interest, applicable tax, insurance, and any additional funds you may designate for payment of principal and/ or escrow. 

ADDITIONAL PRINCIPAL I would like additional funds deducted and applied to PRINCIPAL monthly. 
Please deduct an additional {$100.00} per month, {$50.00} biweekly. 
ADDITIONAL ESCROW I would like additional funds deducted and applied to ESCROW monthly. 
Please deduct an additional XXXX  per month TOTAL MONTHLY PAYMENT Your total monthly payment is {$2200.00}. 
Your biweekly draft is {$1100.00}. 
DRAFT START DATE The draft start date must be on a day of the week selected for drafting, and more than 15 days from today. ( e.g., If the selected draft day is Thursday then the start date must be on a Thursday more than 15 days from today ) Select a new date that will comply with the start date criteria. 
Above is the error message received from XXXX XXXX XXXX 

XXXX IS NOT ALLOWING THE ACCOUNT TO SET UP BI WEEKLY PAYMENTS AFTER MAKING XX/XX/XXXX PAYMENT AS REQUESTED BY THE XXXX. 
AT THIS POINT THEY ARE NOW REQUESTING THAT THE PAYMENT FOR XX/XX/2023 BE MADE BEFORE THE ACCOUNT CAN BE SETUP FOR A BI WEEKLY PAYMENT.

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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/2023, I received a phone call from a XXXX XXXX of Frost Bank. Apparently, someone opened a bank account online in my name, using my personal information and details. After speaking with Frost Bank, it was confirmed this was a fraudulent transaction and I did not open an account with them. Frost Bank immediately closed the account, and advised that reach out and report the fraud events.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX XXXXXXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-15 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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