vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERICAN INTERNET MORTGAGE
State: UT

Complaint narrative:
I am filing a complaint against Aimloan.com. Aimloan recently sent me an escrow analysis dated XX/XX/XXXX. The escrow analysis showed there is a shortage amount of {$3100.00}. Also I did not understand why I was charged {$4900.00} for hazard insurance by Aimloan. A couple months ago the Aimloan representative from their insurance department told me my insurance from XXXX is good to go and I didnt need to provide additional information. Also XXXX erroneously sent me a check for {$2200.00} which was supposed to stay in my escrow account. This suggests poor communication with XXXX, poor accuracy and lack of due diligence by Aimloan.com. 

I spoke to Aimloans XXXX  XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. I also received a voicemail from XXXX at Aimloans insurance department. She stated that the check for {$2200.00} that came from XXXX should go back to my escrow account soon but she never mentioned why I was charged {$4900.00} for insurance on my escrow analysis statement. XXXX also failed to provide her call back number. XXXX has attempted to contact the insurance department at Aimloan and based on his voicemail from today XX/XX/XXXX, he has not yet received a response. I have attempted to contact the insurance department at Aimloan and the insurance representative failed to understand the situation. XXXX stated to only contact him from now on. 

This has been inconvenient and anxiety provoking ( my mortgage payment has increased by about {$600.00} due to this error ) for me dealing with this issue. I have been a customer of Aimloan and have diligently been paying my mortgage on time for about 7 years. My on time payment history is 100 %. It is disheartening to see such a major error and poor communication from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address a concern regarding the reporting of accounts on my credit file, specifically, XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX. XXXX has already updated the status and removed the late dates of these accounts from their records. There was an error present, and they were able to find it. I am confused about how your bureau has verified this information while the other bureaus have successfully updated the status and removed the late dates. This inconsistency is not only inconvenient but also a matter of concern. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I paid an early withdrawal penalty to access a {$36000.00} CD. It was transferred to my Capital One Savings Account. On XX/XX/XXXX, I attempted to transfer the funds out of my Capital One account. By trial and error, my withdrawal was limited to XXXX. I attempted again on XX/XX/XXXX to transfer as much as possible out of the bank. This time, I was limited to {$10000.00}. I continued to attempt to move my funds with no online guidance of limits. On XX/XX/XXXX, I was limited to {$5000.00}. I finally called a customer service rep and was told I was limited to {$25000.00} in transfers per calendar month. I attempted to move money out on XX/XX/XXXX and could not do so. Thus, I paid an early withdrawal penalty on my CD and can not access the money I paid a penalty to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX 2023 i logged into my online banking and saw many fraudulent charges on my account, so I proceed to close the card trought the online banking and then I proceed to dispute the charges CASE XXXXThe system didnt allow to include all the transactions on the claim, so after the claim was submited I sent an email with a letter with all fraudulent charges, until now I dont see all the provitional credit for all the transactions listed on the email. 
The transfer act, regulation E and Z allows customer to report fraudulent charges by phone, in person or by letter. 
I tried to call the bank several times and nobody answer, I cant wait more than 30-45 minutes. 
Please proceed how was instructed, atached goes the letter sent

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 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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 2024-01-04 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2024-01-04 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: DC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Called Wells Fargo on XX/XX/XXXX to report a fraudulent ATM withdrawal of {$200.00} that occurred on XX/XX/XXXX. The claim was promptly denied within a day without notifying me, because the ATM company and Wells Fargo determined there were no signs of fraud on this transaction. I tried reopening the claim via phone on XX/XX/XXXX after filing a police report. They never asked me for a copy of the report and continued to deny my claim within a few hours, stating there are no red flags on the withdrawal. I pointed out that the withdrawal happened at an ATM that is 4 hours away from my home as listed in my bank statements. This is a red flag on its own because the only ATM withdrawals I have made in over a year were withdrawn in the city I live in, no where else. There was also a charge for {$2.00} at this ATM for a balance inquiry, which is another red flag because I have never made a balance inquiry at an ATM in the entire history of my account with Wells Fargo. I don't need to check my balance at an ATM for a fee if I have the app on my phone that costs nothing. I also never received a security code on my phone to deny or approve this transaction which is supposedly is their way of protecting me from fraudulent purchases, according to their own website. On XX/XX/XXXX, Wells Fargo encouraged me to pursue further investigation through a 3rd party as they have " exhausted all of their resources '' after only looking into my case for a few hours and refusing to consider the many red flags that entail this withdrawal was in fact fraudulent.

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 monetary relief
Consumer complaint received 2024-01-04 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: CL Holdings LLC
State: PA

Complaint narrative:
XX/XX/2023 I submitted to XXXX that Jefferson Capital System - At address XXXX XXXX XXXX XXXX XXXX MN XXXX that this account I have no knowledge nor applied for any credit nor do I owe {$170.00}. I submitted a request to please investigate and remove this unknown balance off my credit report. I did not apply for this. I am a XXXX and XXXX XXXX XXXX XXXX that barely lives off a fixed government XXXX XXXX monthly income. Please do your diligent deep investigation and remove this off all 3 credit bureaus. I had to submit a freeze on all 3 credit bureaus due to this issue. Please rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-01-04 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: IL

Complaint narrative:
in the year of 2023, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
in the year of 2023, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the report.

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 2024-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address a concern regarding the reporting of accounts on my credit file, specifically, XXXX XXXX XXXX XXXX XXXX XXXX  has already updated the status and removed the late dates of these accounts from their records. There was an error present, and they were able to find it. I am confused about how your bureau has verified this information while the other bureaus have successfully updated the status and removed the late dates. This inconsistency is not only inconvenient but also a matter of concern. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing this complaint to bring to your attention that there is inaccurate and incomplete credit information included in my credit report profile, and I believe that your bureau has failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports that are published. As per credit reporting laws, it is mandatory for bureaus to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, I would like to request a re-investigation of the following information that I believe to be inaccurate : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$18000.00}. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have previously disputed with Experian and in response they verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is they do not give information out. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a series of emails from Chime indicating that an account was opened under my name beginning on XX/XX/23, when I was on vacation. 

I called the customer support number on the Chime website and asked to talk to their fraud division. The fraud group told me that in order to close the account, I needed to provide them the last XXXX digits of my social security number, my full name, and my date of birth. 

Since Chime is a technology company and not a financial institution ( as per their website ), I don't see why I need to provide this information that may lead me to further identity theft. For all I know, Chime has employees that are using this tactic to steal this information from consumers.

I would be happy to provide this information to a third party like the Consumer Finance Bureau. Please help make it so that fraudulant accounts can be easily closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: UT

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} 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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I requested {$400.00} from Dave, Inc on XX/XX/2023 and received notice from Dave that the funds were credited to my account. The funds never credited and 2 weeks later, the {$400.00} was debited by Dave. I placed a claim with my bank and 2 weeks later they determined they are not at fault and to place a claim with Dave. I placed several claims with Dave and each time they reported they are not at fault and to reach out to my bank. Im inclined to believe Dave, Inc is at fault because this transaction was different because this time I chose to forego the processing fee which is added if you use your debit card and instead I chose to transfer to my bank account which will process the transaction within 2-3 business days. I showed them screenshots of my bank account showing I never received the credit and each time they point towards the courtesy credit that XXXX lent me during the claims process. XXXX took back their money which Dave support somehow can not see. Please help.

Company response to consumer: Closed with explanation