vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear sir/lady Hereby I want to inform you that I am struggling a lot because Wells Fargo closed my account and did not send my check, as need my money, that branch told me to call a number, and when I called the number that they provided me when I call the number they ask me to go to the branch where I open my account. 
They close my account ~ XXXX XXXX Amount : XXXX $ I appreciate your help and support as this matter affects 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 explanation
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation!

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX - Collection XXXX XXXX - Collection INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2024-11-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation!

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX - Collection XXXX XXXX - Collection INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I filed a complaint and XXXX agreed to remove the inaccurate information from my credit report, its still reporting incorrect information. According to the FCRA this should be considered a violation.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I filed a complaint and XXXX agreed to remove the inaccurate information from my credit report, its still reporting incorrect information. According to the FCRA this should be considered a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I cosigned loans for my granddaughter, and she has been in forbearance with Discover student loans since XXXX of XXXX, because she was struggling to find a job post-graduation. She was enrolled in their Forbearance Extension Program, and ended enrollment in XXXX of XXXX. She was then put on a month-to-month forbearance program, where she would have to call each month to get an extension. She called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. She has been in forbearance the entire time and was not required to be making payments, per the rules of Discover 's forbearance program. When she reached out to Discover to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put her on a new XXXX forbearance program, which she is currently still enrolled in. I am writing this complaint, as Discover has been extremely aggressive and threatful to her during this entire process, and at times have even yelled at her that they will " take everything I own or my co-signer owns. '' We have been nothing but terrified of Discover and it caused her to experience XXXX XXXX XXXX XXXX during every phone call she had with them. 
At the beginning of this month the loans were sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for her loans. They also stated that the treatment we got from Discover is unprofessional, unjust, and unfair, and it was Discover 's responsibility to remove it from mine and hers credit since she was in a lawful forbearance program and it was Discover 's error. Discover is just refusing to do so. XXXX advised her to reach out to a manager at Discover, and when she reached out they stated it was " not our problem we sold your loan to a different company. '' She then called XXXX and let them know the unlawful treatment she received yet again, and they advised her to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for me right now as I am going through XXXX treatments. This has gravely impacted my credit score, aad going through treatment my cards are now being declined. I am in need of assistance in trying to remove the default notices on both of our credit reports. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on me receiving my XXXX treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: GA

Complaint narrative:
I rented a vehicle from a company on XX/XX/year> and was supposed to keep it to XX/XX/year>. An hour after receiving the car, the car broke down on me and I had the company come to get the car. I was promised a full refund but never received it. Instead the owner of the car made false accusations and the company didnt release my refund. I called Chime to dispute the charges but they kept denying my dispute. I then cancelled my credit builder card and requested a new one because the company kept trying to charge my card. The company made a force charge on my account which resulted in them taking almost {$700.00}. Chime agreed that was fraud and we put in a dispute in for that as well. That claim was denied today and I was told multiple times that they cant help me and I need to show proof that it was an unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 non-monetary relief
Consumer complaint received 2024-11-17 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: NC

Complaint narrative:
I verify my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need you investigate these items for accuracy. The items need be investigate FST Premier Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2024-11-16 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, I applied for a Lowe 's credit card online and was approved. I purchased items online and in store using barcode provided. 

On XX/XX/year> I received physical card in the mail. 

On XX/XX/year> I received a statement for FIVE DAYS XXXX showing bill due on XX/XX/year> for XXXX. 

I called customer service to inquire why I received a statement that only included 5 days and not the minimum of 21 days because I wanted to pay balance in full and not pay interest but with the bill being due so soon it would not be possible. 

I was on hold for over 10 minutes and the Rep never came back to the call so I had to hang up and call back.

2nd call. No one could explain why. I then requested my bill due date to be changed to the XXXX so that I could pay in full and avoid interest. I was told the system shows that the bill due date can only be changed once per year and the system showed I already changed it. I explained that I just opened the account 9 days ago and never changed anything or called before and if it was changed it was without my permission.

The Rep then offered to delay my next payment but that I would still be charged interest. I asked for a manager. She could not provide a reason or resolution as to why my statement was for five days nor was able to change my due date.

So after 45 minutes on the phone I explained that I would pay off the card and close it asap considering I applied for the card less than ten days ago and already have unnecessary issues. To which the manger responded " OK ''.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am currently reviewing my TransUnion Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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

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 2024-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle from the creditor, and it was later repossessed in XX/XX/XXXX. I contacted the company multiple times requesting a 1099-C form, as they indicated that they had written off the debt as a loss. However, they have not provided me with this document despite my repeated attempts to obtain XXXX XX/XX/XXXX, I formally submitted a request for rescission to the creditor. To date, the creditor has failed to respond to my request. This lack of response is noted and documented for further action, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
These are what the abbreviations stand for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; MCM = Midland Credit Management The following has been and still does report inaccurately. This is in clear and direct violation of my rights. 

MIDLAND CREDIT MANAGEMENT INC Account Number : XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DID NOT REPORT Original Creditor Reports CHARGE OFF DATE of XX/XX/XXXX ( XXXX  and XXXX allowed MCM to update " charge off '' to " collection '' in order to allow them to continue violating my rights as a consumer, since it benefits them to have consumers with lower credit scores in order to profit from services from predatory lenders ; XXXX failed to locate my credit file even though information on my profile is inaccurately reporting ) Balance : XXXX : {$640.00} ; XXXX : {$640.00} ; XXXX : DID NOT REPORT Original Creditor Reports {$640.00} Estimated month and year that this item will be removed : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : DID NOT REPORT Original Creditor Reports it was CHARGED OFF. According to 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 the definition of " charge-off '' is : " A charge-off simply means a creditor has given up on collecting an unpaid balance and it's written off the debt as a loss. '' So many inaccuracies in just this one entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) This account is being reported inaccurately, please remove this from my credit report immediately.

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 2024-11-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I verified my credit report and I found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need the you will investigate these items for me to ensure accuracy. The item is : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2024-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I switched insurance providers. The mortgagee clause was provided and I made the assumption that the Lender, Huntington Bank, was notified. 

I did get a letter to provide proof of insurance, which I did. I provided the Declarations Page prior to a deadline they gave me. However, someone in the Insurance Dept. decided not to accept the documentation- even though it had the property address of the house on the Form.

The tax bill has the name of the LLC that holds the property and the insurance was in the name of the LLC.

I wasn't told of the rejection until I discovered that force-placed insurance, the increased payment AND the notice from my credit monitoring company that they increased the loan amount by the cost of the insurance policy.

Insurance and taxes are NOT to be added to a principal balance! -

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have been keeping a close watch on my credit due to looking to purchase a home soon. Credit Karma shows that my XXXX  score went down XXXX points due to my balance on a credit card lowering. The issue is, this only happened AFTER i was reviewing their offers for credit cards. I was surprised so i went and looked at my XXXX score directly with transunion, and it actually increased and is XXXX points above the credit karma score. I believe credit karma is displaying lower scores and notifying the consumers of their score lowering ; even if they actually have not, if they think they will be able to get you to sign up with one of their contracted credit card companies

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 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been charged for over draft fees that hit my account several days after the transaction was placed. These dates date back to XX/XX/XXXX to XX/XX/XXXX. They were all {$20.00} overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation