vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On Thursday XX/XX/year> I emailed DCU customer service requesting a debit card to be issued for my new trust checking account ending XXXX. I received a bizarre email back from someone named XXXX calling me by the incorrect name and saying I could just request a replacement debit card online. As my attachments reflect, I have logged into my DCU trust account under the Membership heading and I am unable to order a debit card at this time. XXXX seems to be confusing my non-trust checking account ending XXXX which does have a debit card with the trust checking account ending XXXX which I specifically requested a new debit card be issued. I am unclear how anyone can be that confused when my original request was focused on my newly opened checking account when the account ending XXXX was opened more than two years ago. Also, I called customer service to ask if I could link my DCU checking accounts ( trust and non-trust ) and was told I can not. Again, common sense dictates that my account login experience should be unified, not split. It's ridiculous that I can link all DCU accounts with my non-DCU banks and credits unions seamlessly, but I can't combine them within the host institution.

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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX my account was accessed by someone who acted as if they were a Navy Federal employee without me providing any information to them at all. They were able to request and approve a loan under my name and tramsferred to a differenr account. I immediately called Navy Fed and let them know of the situation. After a week, they are still holding me accountable for that loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi! I need help, EQUIFAX shows the error code NH ( meaning No History ), but I have credit scores and histories from the other 2 credit bureaus. I need to know where is the error coming from. 

I sent them a certified mail letter several times already, about three time together with a copy of my valid ID and SS, but they did not respond. 

I also tried to pull my free credit report from XXXX website and it always shows NH. I do have history, its been more than 2 years now. 

Equifax just dont respond correctly. 
I've BEEN CALLING them too many many times already, always they will always say that the system is not working. This is serious, it is affecting me personally, mentally, and emotionally. I need help because I cant get a car loan and a home loan approval. This is such a life ruining situation. Thank you for your help. 

EQUIFAX PLEASE DO YOUR JOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I financed my XXXX XXXX XXXXXXXX through XXXX XXXX making regular payments from XX/XX/XXXX, until the final payment on XX/XX/XXXX. The total amount paid, including a {$5000.00} down payment, was {$30000.00}. Despite completing all payments, there was a significant delay in processing the release of the electronic lien and title for the vehicle. 

This delay caused substantial financial and personal inconvenience. I lost a potential sale of {$15000.00} due to the inability to transfer the title to the buyer. Additionally, I incurred continued costs for insurance, maintenance, and other expenses related to the vehicle during this period. 

On multiple occasions, I contacted XXXX XXXX to resolve this issue and formally requested compensation for the financial loss, additional costs, and stress incurred. Despite acknowledging the internal error, XXXXXXXX XXXX declined my compensation request for {$22000.00}. 

Under the Virginia Consumer Protection Act, I believe this delay and the resulting financial impact constitute a violation of fair and ethical standards of dealings between suppliers and consumers. I am seeking a resolution that includes compensation for the lost sale value, additional incurred costs, and the stress caused by this situation. 

This description provides a clear, detailed account of your issue without including personal information. You can adjust the wording as needed to fit the forms requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/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 2024-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
On XX/XX/year> I was notified via email from XXXX that they detected a Major Derogatory Account from PHOENIX FINANCIAL SERV. I have no knowledge of who this company is or any information about the alleged debt because this is not my debt. I have sent out a debt validation letter certified mail to XXXX to verify this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist. 
I have sent out debt verification letter to creditor requesting signatures and dates. I have received no valid response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This account was abruptly closed and then a 30 days late was reported on my credit profile, I contacted XXXX to protest the way I was being treated, as a result they kept reporting 30, 60, 90 days late onto my credit report. The last time I contacted them was last month via certified letter. However, my credit report was updated to a 30 and 60 days late.

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 2024-06-30 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: DISCOVER BANK
State: NC

Complaint narrative:
This account was abruptly closed and then a 30 days late was reported on my credit profile, I contacted XXXX to protest the way I was being treated, as a result they kept reporting 30, 60, 90 days late onto my credit report. The last time I contacted them was last month via certified letter. However, my credit report was updated to a 30 and 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXX XXXX XXXX XXXX XXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/XXXX Payment History

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/XXXX Payment History

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 2024-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
The collection from WAKEFIELD & ASSOCIATES is invalid. They are attempting to collect a debt that is not mine and have been unable to provide the supporting documentation and are violating the Fair Credit Reporting by providing information that is not correct. I have provided a identity theft report for supporting documentation as the company reporting has failed to support the billing that is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX ( PDT ) on XX/XX/24, Wells Fargo fraud department contacted me to validate Bill Pay transactions I set up in the Wells Fargo portal. I was asked to verify the name of the merchants and amount of payments. I was only able to provide the name of merchants and partial amounts. I advised I would need to place the caller in hold to access the amounts. When the transactions were set-up, I also completed secondary authentication. The Wells Fargo representative said, this is the fraud department, and we don't get put on hold. You will need to call us back : and I was hung up on. My account is now locked, and I can not transfer any money into or access the portal.

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 2024-06-30 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: TX

Complaint narrative:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: AZ

Complaint narrative:
Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries. I have no knowledge of the inquiries that I found XXXXXXXX XXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires from my credit report. I also filed man Identity theft report FTC Report Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX  following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I received a response from [ TransUnionXXXX ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX XXXXXXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), XXXX is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # XXXX ; XXXX file. 
Additionally, under 15 USC 1681e ( b ), XXXX must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
XXXX has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
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 2024-06-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX, I reviewed my credit report and identified several discrepancies. 
Consequently, on XXXX, I sent a letter to [ XXXXEquifax ] requesting a reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I received a response from [ XXXXXXXXEquifax ] indicating that their investigation was complete and the accounts in question were deemed accurate. 
However, upon reviewing my report again, I noticed that no changes had been made. 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX XXXXXXXX XXXX Details Inaccurate : LAST PAYMENT, HIGH BALANCE, DATE OPENED, DATE REPORTED, ACCOUNT RATING According to 15 USC 1681i ( 5 ), XXXX is required to treat inaccurate or unverifiable information in the following manner : ( A ) In general : 1. If, after reinvestigation, any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that item of information based on the results of the reinvestigation. 
2. The consumer reporting agency must promptly notify the furnisher of the information that the information has been modified or deleted from the consumer & # XXXX ; s file. 
Additionally, under 15 USC 1681e ( b ), XXXX must ensure the accuracy of their reports : ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Furthermore, according to 15 USC 1681s-2 : ( A ) Reporting information with actual knowledge of errors : A person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : 1. They have been notified by the consumer, at the address specified for such notices, that specific information is inaccurate ; and 2. The information is, in fact, inaccurate. 
XXXX has not properly reinvestigated my claims and has falsely asserted that they have done so. I have evidence to substantiate my case and request that this matter be addressed immediately and accurately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
My identification and social security card were taken and someone opened several accounts fraudulent accounts using my identity I opened an account at XXXX XXXX which closed my account 3 days after opening the account they notified me of information that chexsytems reported a XXXX XXXX  account was opened fraudulently also a XXXX XXXX XXXXXXXX a XXXX XXXX  account and a XXXX XXXX XXXX credit card and a XXXX XXXXXXXX checking account and a XXXX XXXX credit card account the person whos stole my identity has been pulled over driving and has claimed to me and has gotten tickets in my name as well i would like to dispute this information and any negative remarks that may show up from the banks i mentioned to be removed do to identity fraud and any negative remarks on all credit reporting agencies to be removed so my rights as a consumer are not violated any further 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 2024-06-30 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: OK

Complaint narrative:
Experian informed me via email about a major derogatory account that has been put on my credit report on XX/XX/2024 without properly verifying or without my written consent. This is not my debt and I have no knowledge of who the company is who reported the debt to Experian.

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 2024-06-30 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:
This is the law : The following information in this report does not belong to me. My information has been compromised or, I am a victim of identity theft. Please delete the following information according to FCRA 605B 15 USC 1681. You are required to delete all information in four 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 explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PREFERRED CREDIT INC
State: NC

Complaint narrative:
I have noticed that my account is being reported as late for a very long time even though this company has been taking their payments out of my account via checking account.

Company response to consumer: Closed with explanation