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

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
When XXXX glitch happened my card was lost for chime there was 3 amounts on top of other amounts these 3 ( $ XXXX ) were not included in my disputes due to chimes fault when I called them they sent me a decision in less then 12hrs later.i called XXXX XXXX to ask how they and chime concluded this and XXXX XXXX said they were never contacted by chime.so I reopened it yesterday XX/XX/23 and this morning they denied it again called XXXX XXXX same response chime never contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/23 XXXX an unauthorized charge of {$0.00} was charged onto my card. I called Chase and was transferred around a few times and the representative assured me that all I needed to do was change my card number. I hope this won't happen again. I spent over an hour on the phone to get to the right department. This has been an ongoing issue with Chase. Out of all the banks I have worked with, their service line is by far the worst. And more often than not, I am transferred to oversea agents who can not understand my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX is showing a collection on my credit report which has a original balance & past due balance showing which is going against consumer credit report Also showing activity on the account after the account has been in collections and reporting inaccurate information to the credit bureaus Also reporting dates are inaccurate and 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 the person knows or consciously avoids knowing 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- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX is showing a collection on my credit report which has a original balance & past due balance showing which is going against consumer credit report Also showing activity on the account after the account has been in collections and reporting inaccurate information to the credit bureaus Also reporting dates are inaccurate and 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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 the person knows or consciously avoids knowing 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- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts, nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and it's been over 60 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 non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I closed my checking account on XX/XX/XXXX and XXXX & XXXX XXXXk is reporting to Early Warning Signs that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Experian regarding the presence of two illegal and false accounts on my credit report. I have recently reviewed my credit report and discovered that these accounts, namely XXXX XXXX ( account number XXXX ) and XXXX XXXX. XXXX ( account number XXXX ), contain significant inaccuracies and are intentionally missing important information. 

Firstly, both accounts are illegally reporting false information, misleading both myself and potential creditors who may access my credit report. This not only damages my creditworthiness but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, these accounts lack essential information such as a business address or point of contact. This deliberate omission makes it extremely challenging for me to dispute the accounts or identify the actual company responsible for reporting these illegal accounts. It appears to be a deliberate attempt to hinder my ability to rectify the situation and protect my credit. 

I insist that Experian takes immediate action to address these issues by : Removing the two illegal and false accounts from my credit report. 
Ensuring that my credit report accurately reflects my credit history and does not contain any misleading or fraudulent information. 
Including the complete and accurate business address and point of contact for any reported accounts, allowing me to appropriately address any future disputes or inquiries. 
Failure to rectify these issues promptly and satisfactorily will leave me with no choice but to take further legal action to protect my rights and seek appropriate compensation for the damages incurred. 

I have enclosed a copy of my credit report highlighting the aforementioned accounts for your reference. It is crucial that Experian undertakes a thorough investigation and resolves these discrepancies in compliance with the FCRA. 

I expect to receive a written response from Experian within 30 days of receiving this complaint. Failure to respond adequately or address the concerns outlined in this letter may result in legal action to seek remedies for the harm caused, including but not limited to, damage to my credit, emotional distress, and violation of consumer protection laws. 

Please be aware that any communication or information received from Experian regarding this matter will be retained as evidence for potential legal proceedings. 

Thank you for your immediate attention to this matter. I trust that Experian will take swift action to rectify the inaccuracies on my credit report and ensure compliance with the FCRA. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
The XXXX XXXX Bank makes changes to the mortgage account and doesn't not allow to user to determine/know the changes unless you call the company. I was notified after the mortgage due date of a change in payment via letter, which was processed prior to the the payment due date. As a result, the amount I paid timely for my loan was marked an " unapplied payment '' and I received a letter later in the month notifying of the escrow change. The unapplied payment of the mortgage amount from the statement sat on my account with no action and I was deemed late for a {$11.00} escrow change, that I was notified of AFTER the due date. This is being penalized for timely payments. Additionally, when I called the XXXX bank to inquire about that change in amount, I was told to call the insurance company because the agent didn't know where the payment change came from. My insurance went up {$4.00} a year and that caused a {$12.00} a MONTH change in escrow. Thats doesn't add up. I called a 2nd time another day and a different associate helped with the needed information, but the escrow still doesn't add up for that chnange. Charges were applied because of a " late '' my XXXX payment but my bank shows no record of a reversal. No one can explain why it didnt process. I was not made aware of this by XXXX bank and until I logged into my account and had to all customer service for information. XXXX bank has no explanation on why this occurred. 

I am unable to make payments on my loan outside of the FULL monthly mortgage amount online. I have to call an often rude customer service agent to assist with that phone payment and then call again after it is processed to ensure to goes to the correct line item. I have never in the history of being a home owner experienced this level of disorganization, poor notice or lack of accountability. Notification of fees and changes to payments are severely delayed ( sent via letter ) but applied prior to sending the letter- to the point where the borrower does not have time to make changes. The statements are hard to follow and are not consistent. XXXX XXXX  's poor notification will cause issues. I have never had a late payment in 6 years until being serviced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
Constant money charged due to no funds that were paid fees and claim afterclaimgot back after weeks of late fee on other bills not at fault to claims not even looked into

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I took out a personal loan to purchase a vehicle from someone I knew personally. They had a TitleMax loan so I paid it off with XXXX on XX/XX/23 while all three of us was on the phone. I was asked by XXXX where to send the title, but unfortunately he was working with the guy whose loan it was and he requested to pickup in store. Even though XXXX took my personal address to forward the title. On XX/XX/23 I received a letter from TitleMax notifying me of a data breach. This business uses deceptive tactics to make money from the less fortunate. I repeat stay away from TitleMax XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/23 a representative called me from the title max store saying I needed to pay {$1000.00} to bring my loan up to date I asked for the information I never received about loan repayment and what I owe and what my money will go to she said she will have someone reach out to me onXXXX  someone called me saying they are from title max corporate office and they asked for me to give them {$500.00} to bring my loan up to date I informed them I asked for information I never received which tells me the details of my loan what the money is going towards my finance rate and everything to explain how I could repay and if what they are charging is indeed what I signed up for he told me I needed to go into the store I explained to him that I am physically un able to go to the store to get this information can you please mail it to me. When I signed up everything is as supposed to be available to me online it never was and I was eventually locked out of my title max account log in app and I continue to receive an error message so these documents that were supposed to be originally available to me on the app were never given to me and I never received a copy of what I thought I signed My original loan was {$1500.00} so I dont understand what hat I am paying for and what is indeed the status of my account the company refuses to provide me any information I. Writing by e mail or by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am XXXX and now suffering of XXXX I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in XXXX and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I submitted claim XXXX and received a call from Wells Fargo but I can not access their response via this portal. Furthermore, they sited terms and conditions but I do not have proof that they have the proper consumer signature. There was a fraudulent check written from this account and deposited by someone. Responses are not satisfactory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Biehl & Biehl, Inc
State: IL

Complaint narrative:
Back in XX/XX/2022, my company used XXXX XXXX per client request. After the shipment left our warehouse, we realized that the " BILL TO '' party was incorrect. The shipment should have been billed third party. XXXX XXXX  was contacted shortly after the freight left our warehouse to update the XXXX. XXXX XXXX confirmed we can update the XXXX  to reflect the correct " BILL TO '' party. XXXX XXXX  was sent the updated XXXX, they confirmed it was updated, and they provided us a case number confirming the communication : XXXX. Almost year later, we received a letter from a collection agency, BIEHL AND BIEHL INC, demanding the payment for this shipment. Turns out, XXXX XXXX  did not bill according to the updated XXXX despite confirming they would, and they sold the amount due for the freight to a collection agency : BIEHL AND BIEHL INC. The collection agency refused to dispute the debt owed despite the debt not being ours. The representative from BIEHL AND BIEHL INC falsely claimed that freight can not be re-billed. We explained to the representative that we have a case number and confirmation for XXXX XXXX of rebill. The representative said that was not a valid reason to dispute, and continued to falsely claim the debt belong to us despite XXXX XXXX confirming the shipment would be billed to the correct party. After disputing the debt, the representative told us that regardless we are responsible. She told us it doesn't matter who the freight should have been invoiced to because XXXX XXXX had already sold the debt to them. We are not responsible for this freight cost. Both BIEHL AND BIEHL INC and XXXX XXXX  has been written regarding this incident, and there has not been a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief