vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: IN

Complaint narrative:
I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX, XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.

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 2023-06-28 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: IN

Complaint narrative:
I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausEquifax, XXXX, and XXXXregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
XX/XX/2023 received email from Integra Credit advising my loan application had been denied. Same day I forwarded the denial email to their customer support requesting I be provided with the specific reason ( s ) my application was denied. Confirmation receipt of my request was received separately via email. 

As of today, XX/XX/2023, at XXXX est, Integra Credit has failed to respond and/or provide the information requested. All supporting documentation has been uploaded with this complaint to verify the validity of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Transunion 2 hard inquiries were falsely register on my credit report. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/2022 {$0.00}

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 2023-06-28 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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX account that was closed on XX/XX/XXXXXXXX  is saying I owe XXXX  on XX/XX/XXXX. I asked the debt collector to show proof of notice because I was unaware they gave me false address. And they wanted my social Security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: MA

Complaint narrative:
On Saturday XX/XX/2023 I received a welcome email regarding an account opening from Chime CEO XXXX XXXX. I responded to XXXX that I did not open this account and was just recently a victim of identity theft. Complaint one is that XXXX ' email is a no-reply email. Don't welcome me and not allow me the opportunity to respond back. 
I was able use the chat feature to report the fraud. Unfortunately the inexperienced staff only closed the savings account and not the associated checking account which brings me to complaint two. You, XXXX XXXX and Chime need to be diligent when receiving a fraud complaint. Speaking of utilizing due diligence, complaint three surrounds the opening of the accounts since it was done fraudulently. XXXX XXXX and Chime did not use the proper due diligence for account opening. The address provided by the fraudster did not match my address I've had for 27 years. That is red flag 101.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2023, I applied to refinance my home through the Navy Federal Credit Union. Despite submitting all necessary forms and documents before my Notice of Incompleteness Date ( NOI ), the loan officer requested a remote work letter from my employer to complete the loan approval process, which I found strange since my income and employment had already been verified. Surprisingly, the loan approval was contingent upon providing this remote work letter. A few days later, I discovered that my account had been removed from their website, prompting me to contact the loan officer, who informed me that she was unavailable, but my loan was in process. Concerned, I contacted customer service and was informed that my application had been declined due to the failure to produce a remote work letter. I applied for a new loan and submitted an appeal to use the previous loan 's interest rate. However, I am still waiting for an official response to my appeal and an explanation for why my initial application was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WA

Complaint narrative:
on XXXX  i called my bank to tell them that my card, drivers license was stolen. money ( XXXX  ) was taking out of my account so i filed a police report and sent them that documents that chime was asking for! they told me i would receive a temp credit but they denied my claim right before they told me i would receive my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: MI

Complaint narrative:
A company by the name of Duvera Billing Services is attempting to collect on a debt that is not owed. The amount of the debt is {$1800.00} and {$2300.00} I CURRENTLY DO NOT KNOW THE NATURE OF THIS DEBT, NOR DO I KNOW WHEN AND WHERE IT WAS CREATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: IN

Complaint narrative:
Omni has been calling my family members including my ex-husband and father about a debt that neither of them are connected to. This is harassment and designed to embarrass me. It needs to stop. They have also been calling me at least 6 times a day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXX in 2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXX of 2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in ERs all over Florida and was in an accident leaving me unable to walk for almost XXXX months, and had no I come at this time. I am a single mother of three children and I paid the necessary bills to survive, none of which included the loans from the College Foundation as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.

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 2023-06-28 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: EQUIFAX, INC.
State: GA

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. 

Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: GA

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. 

Account name : XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2023-06-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, with 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

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a {$250.00} annual membership fee statement from American Express ( Amex ) showing no other balance owed ( see attached ). The next day I phoned Amex to cancel my card; talked to XXXX who assured me the card was cancelled. However Amex continued to bill me {$250.00} plus {$40.00} in late charges every month since then. On XX/XX/XXXX, Amex sent me acknowledgement of my cancellation effective " XX/XX/XXXX '', but claimed I still owed the annual membership fee because my cancellation wasn't " processed '' within 30 days after it was billed ( see attached ). 
In XX/XX/XXXX, I talked to XXXX XXXX of Amex to get the charges dropped, to no avail. Instead Amex sent my file to XXXX XXXX for collection, which I disputed. I then obtained my credit report and discovered that Amex has been dinging my otherwise perfect credit. 
So I filed lawsuit in small claims court, which is pending. In response Amex has turned over my account for collection to XXXX XXXX XXXX. This may violate federal collection practices laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am a hard-working, single mother, taking care of XXXX children. I live in XXXX, Ca. On XX/XX/2022, an unauthorized purchase was made in XXXX, Wa, in the amount of {$2500.00}. I contacted Chime to report this transaction as fraud. As I was on the phone with the representative to cancel my card, I received a text from Chime showing another unauthorized purchase was made in XXXX, Wa, in the amount of {$2000.00}. XXXX. I informed the representative that another purchase was made. He proceeds to cancel the card. He explains that I can't submit a dispute on these funds until the amounts settle on my account. He suggests I contact the merchant to see if they can reverse the transaction. I contact the merchant, they were no help. Once the amounts settled, I filed a dispute with Chime for these unauthorized transactions. They initially denied my claim, citing, " card in account holder 's possession ''. I submitted proof of my XXXX, Ca location at time of fraudulent purchases. I've submitted proof of purchases made in my XXXX, Ca neighborhood that were made minutes after the first unauthorized transaction, and minutes before the second unauthorized transaction. I believed they would see my actual purchase and conclude that if I have possession of my card, there's no way my card could be present in another state at the same time.They have denied my claim several times and I have appealed each denial. I've been going back and forth with them for six months now. I've submitted police report, I've submitted my location, I've submitted proof of purchases made in my California neighborhood in between the two fraudulent transactions, I've submitted my account transactions which show I have never made a purchase to this merchant nor in the state of Washington. This last denial, they submitted the purchase from the merchant which shows " card was present and pin was used ''. The same is true of the purchase I made in between the fraudulent transactions. If the card is present for both transactions and there is only one card, why are they not concluding this as fraud? This loss has caused financial turmoil in my life. I need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I recently sold my house and, as a consequence, paid off my mortgage. I moved before the sale was final and updated my mailing address on my account profile on Truist 's website. However, this change apparently only applied to my checking account, not my mortgage account ( both of which I accessed through the same website where I changed my mailing address ). As a result, documents and my escrow refund check where sent to my old mailing address, which I no longer own much less live. There was no indication on their website that changes to your mailing address made online do not apply to your mortgage account.

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 2023-06-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
XXXX reassured me they wouldnt report me to the bureau if I paid my total amount due.

Company response to consumer: Closed with explanation