vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: TN

Complaint narrative:
I called a merchant to get a price for XXXX with a tire repair I needed. I was told a flat rate of {$20.00}. The repair took about XXXX minutes. They asked if I wanted to pay with cash or card I said card I handed them my card. They took it to their area and swiped it. I noticed the next day that instead of the {$20.00} I was charged {$84.00}. The merchant has not called me back. I found a dispute with the bank. The first one was denied within XXXX minutes Without contacting the merchant. So I requested to be reopened and stayed open for a full month. Then it was denied. I was never given a receipt. Nothing was ever entered into any computer. All there was was a phone conversation and an in person conversation. So I requested documents to see what they had that was causing them to follow the dispute. Being that there are no documents XXXX confused as to justification for this being denied.. the company refuses to provide an explanation or any documentation regarding the deny of my dispute. I disputed {$64.00} which was the amount once you took out the {$20.00} that I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
XXXX reported to the credit reporting agencies as late or delinquent. I discovered this when they sent me a letter in the mail in XX/XX/year>. In XX/XX/year> I originally set up autopay once I got the new credit card from XXXX. There were mistakes in their autopay system, and I resolved this in XX/XX/year> with XXXX once I received their letter about the delinquency and I immediately paid the total balance of {$29.00}. Also, they were not sending me paper statements like they were supposed to, and I was unaware of the problem until I received XXXX letter about delinquency. XXXX said I was on paperless statements, which I never signed up for. It was not my fault with delinquency or late payment, and I want this derogatory mark removed from my credit reports. My credit score was lowered much because of this, and I want this fixed too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported to the credit reporting agencies as late or delinquent. I discovered this when they sent me a letter in the mail in XX/XX/year>. In XX/XX/year> I originally set up autopay once I got the new credit card from XXXX. There were mistakes in their autopay system, and I resolved this in XX/XX/year> with XXXX once I received their letter about the delinquency and I immediately paid the total balance of {$29.00}. Also, they were not sending me paper statements like they were supposed to, and I was unaware of the problem until I received XXXX letter about delinquency. XXXX said I was on paperless statements, which I never signed up for. It was not my fault with delinquency or late payment, and I want this derogatory mark removed from my credit reports. My credit score was lowered much because of this, and I want this fixed too.

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 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a formal complaint against Fifth Third Bank in regard to what I believe to be deceptive practices surrounding the promotion tied to my XXXX  XXXX  account. 
I opened my account on XX/XX/XXXX, during the period in which Fifth Third Bank was running a promotion offering a {$400.00} bonus for completing direct deposits totaling {$500.00} or more within 90 days of account opening. I met all the required conditions to qualify for this bonus by making the required deposits. 

Despite fulfilling the promotional criteria, I have been informed that the bonus will not be credited to my account. 
I am extremely dissatisfied with how my situation has been handled, as I have made every effort to comply with the terms of the promotion. I feel that Fifth Third Banks refusal to honor this promotion constitutes a deceptive practice, and I have exhausted all other avenues of resolution. As such, I am left with no choice but to file this formal complaint. 

The only acceptable resolution to this matter is that the {$400.00} bonus be credited to my account, as per the terms of the promotion at the time I opened the account. 

I request that this matter be investigated immediately and that I be provided with a prompt response outlining the steps the bank will take to resolve this issue. 
Thank you for your attention to this complaint. I look forward to your swift action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a ink in pin and {$500.00} check in a safe deposit box in XXXX and when I closed it in XXXX I didnt receive the funds..

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 2024-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lexington Mortgage Corporation
State: CA

Complaint narrative:
Lexington Home Loans was supposed to pay our prior loans off and pay our property taxes that are currently due. The PACE loan was not paid off fully and the property taxes were not paid so my husband and I had to pay them out of pocket. No one will help me there. The person we talked with is is XXXX XXXX. I advised him we would be filing a complaint. I believe our next property bill due in XXXX we will also have to pay as the energy loan they told us was paid off is not and is part of the property tax and I do not believe they have accounted for this amount to be part of the escrow. I am not happy and feel like they have ripped me off. I would like for them to pay back what we had to pay for our property tax and fix this.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-10 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 cant understand why inaccurate accounts are suddenly appearing on my credit report. Ive been careful about monitoring it, and this has never happened before. I tried everything, even refreshing my browser, thinking it was a mistake, but the discrepancies didnt go away. I feel so helpless. Please double-check the documents Ive sentI just want to put this nightmare behind me.

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 2024-12-11 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: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$930.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$930.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/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 XXXXXX/XX/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 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-10 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: NY

Complaint narrative:
I am writing to notify your bureau that I am a victim of a data breach, which has resulted in the unauthorized opening of accounts in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following account from my credit file : XXXX XXXX - XXXX - Opened : XX/XX/2021 - Amount : {$990.00}

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Carvana Group, LLC
State: MO

Complaint narrative:
On XX/XX/year> was told trade was approved and was going to receive new car that never came. Ran my credit and signed documents. On XX/XX/year> was signde document and was told trade was approved was told a vehicle was going to be delivered but it never came XX/XX/year> was told the same thing vehicle never showed up. Tried to get a different vehicle and I was told that I was never approved for my trade and that I was never approved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Washington, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX XXXX Account Number XXXX XXXX - Original Creditor : XXXX XXXXXXXX reports the account was paid as agreed, with a 100 % on-time payment history. However, Experian and XXXX report 1 late payments, which is inaccurate. Despite multiple disputes ( over 1 time ), the error persists.

I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation