vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have a savings account and a spend account with Credit Karma. I was having my XXXX XXXX XXXX  deposited directly to the Credit Karma savings account each month. There was about {$2200.00} in the account. Around XX/XX/XXXX, someone hacked into my account, stole all the funds, and closed the accounts. They used the email address : XXXX @ gmail and replaced my phone number with XXXX. I could not access the account and reported it to Credit Karma. I told them I had been hacked and had no access to the accounts. I provided them with several forms of identification ( driver 's license, passport, Social Security card ). After several days of trying to prove my identity and telling them that I had been hacked and my money was stolen, Credit Karma finally allowed me to get into their website, and when I clicked on the savings account I got this message : " Sorry for any inconvenience. At this time, we are unable to open a new XXXX account for you. '' XXXX weeks ago there was over {$2200.00} and now I do not even have an account. Credit Karma closed the inquiry after my ability to access their site and ignored all my protests that I was robbed. Credit Karma customer service is terrible and it is difficult to explain what happened. The only account numbers are the digits on my Credit Karma debit card : XXXX. I am a XXXX XXXX XXXXnd I need these funds. Please help me retrieve my funds. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 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 am a KNOWN victim of identity theft. I have been dealing with this for over 2 years now. I have summitted the proof and documents to the credit bureaus several times and they just do absolutely nothing about it. XXXX is the worst of the big three but the other two are doing the same thing to me as well. I really need help. I am in the process of trying to buy a home for my daughter and I and I can not, because someone stole my information.

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 2024-03-23 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 am a KNOWN victim of identity theft. I have been dealing with this for over 2 years now. I have summitted the proof and documents to the credit bureaus several times and they just do absolutely nothing about it. XXXX is the worst of the big three but the other two are doing the same thing to me as well. I really need help. I am in the process of trying to buy a home for my daughter and I and I can not, because someone stole my information.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Transunion stated they can not update that my student loan was taken care of so I will upload the letter from XXXX  which was my student loan company.

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 2024-03-23 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
Returned phones and paid last bill. XXXX kept billing me for 3 months after services were rendered. I have submitted my receipt as owed. XXXX said it was their fault on the phone but sent to collections anyways. This was back in XXXX. Why am I getting this now in XXXX?? I found out through my credit report going from XXXX to XXXX in XXXX. Please fix this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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 am a KNOWN victim of identity theft. I have been dealing with this for over 2 years now. I have summitted the proof and documents to the credit bureaus several times and they just do absolutely nothing about it. Equifax is the worst of the big three but the other two are doing the same thing to me as well. I really need help. I am in the process of trying to buy a home for my daughter and I and I can not, because someone stole my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hi, I have a new credit card with MicroCenter ( electronics store ) which is processed by Wells Fargo. 

They marked my payment late and have assessed {$58.00} in interest and late charges despite my bank saying the payment was early. 

Payment was due on XXXX. My bank sent it XX/XX/26 scheduled to arrive by XXXX. 

..and I see this now on a weekend and there is no one available to address the issue. I will call them Monday and attempt to resolve the matter. 

But Wells Fargo is synonymous with consumer fraud these days. Please put this on the list.

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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to get my credit report from Transunion says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get XXXX credit report or XXXX credit report don't know why. Because these are free to receive every week.

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 2024-03-23 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive check my credit report and notice several unauthorized credit inquires.

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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the verification of a collection account on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), if a consumer disputes the accuracy of information on their credit report and the furnisher of the information verifies it during the investigation, the consumer has the right to request deletion of the disputed information. 

The collection account in question is XXXX. Despite my previous dispute and your verification, I am formally requesting the DELETION OF THIS ACCOUNT from my credit report. I believe this account does not accurately reflect my credit history, and I have not received sufficient validation of its accuracy from the creditor. 

Please provide me with a written explanation of the verification process and the specific information that was verified. Additionally, I request that you delete this account from my credit report in accordance with FCRA guidelines. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation.

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 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
In XX/XX/2021 OneMain opened a loan in my name with my partner and not myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Recently, I experienced the distressing situation of misplacing my phone, which contained both my phone and card within its case, at a local park. After several days of utilizing the XXXX XXXX XXXXXXXX feature, I was relieved to retrieve my device, only to discover unauthorized transactions totaling {$470.00} had been made through XXXX XXXX to an unfamiliar recipient.In response to this alarming discovery, I promptly filed a police report and initiated a claim with Wells Fargo the following day. However, to my dismay, I received disheartening news on the XXXX. I was informed that Wells Fargo has decided to close my account within a mere 10 days and, furthermore, my claim was unjustly denied.Ive attached the police report for your reference.

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 2024-03-23 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:
I tried to get my credit report from XXXX says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get XXXX credit report or Equifax credit report don't know why. Because these are free to receive every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to get my credit report from XXXX says it was denied because i had a dispute? Makes no sense at all to deny my free credit report. 

I could not get Experian credit report or XXXX credit report don't know why. Because these are free to receive every week.

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 2024-03-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Continuation of complaint XXXX wherein we complained that XXXX and Dovenmuehle failed to auto withdraw interest payments, failed to provide monthly statements and mis-appropriated our principal payments in a bizarre months long scheme of repaying themselves, padding our loan principal and mailing us maddening dunning notices that we somehow breached THEIR terms of service. 

Attached letter dated XX/XX/XXXX, does concede they did not auto-withdraw as promised, did not mail monthly statements as promised, did not do their monthly accounting homework as promised, but merely apologizes for their stupidity and inept or criminal misbehavior. 

We do not now and never did agree for them to breach the service terms of this loan. If they forgot to do monthly statements or were too lazy or stupid to figure out how much to auto withdraw, that is not our problem. That is their problem to rectify and NOW. Issue the darn statements, manually, if their computer is too stupid to produce them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.

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 2024-03-23 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: PA

Complaint narrative:
XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 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: PA

Complaint narrative:
XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.

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 2024-03-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Your company XXXX XXXX never validated this alleged account. If you have validated this account please provide method of validation. I was never given the opportunity to access or review this alleged debt. If you in fact believe that you gave me proper notification of this alleged debt, please send me a copy of the certified receipt with my name and signature as well as my original contract with signatures.

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 2024-03-23 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: TX

Complaint narrative:
I was checking my credit report and notice several hard inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I made student loan payments in XXXX and XXXX, and they were listed as received in my account. This month I got a notification that neither of my student loan payments were received and that I am now in delinquency. I attempted to make the late payments, but I keep receiving emails that my bank declined the payments. At first my account says that my payments were accepted, and then it says they were declined and late weeks after the fact. I'm really frustrated because now it's asking for 3x my normal student loan payment and saying I am in delinquency. I can't make a huge payment at the moment and it's troubling that my payments were never received and I wasn't notified. My loan servicer is Edfinancial services. I tried calling and they never pick up and I sent and email and haven't heard back. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
I sold one type of crypto for another ( XXXX  ) so that I could purchase crypto elsewhere by swapping etherium for it. Before this selling, I tried to transfer crypto to my external wallet as a test and it worked. So I tried to withdraw and transfer the etherium after selling the other coin, but then kept getting an error that Im not allowed to withdraw due to pending transactions or insufficient balance. I have been trying for two days. I have been waiting for support for two days. I contacted via XXXX XXXX and XXXX. No response. Because of now being in limbo, I basically lost earnings from the original XXXX I sold ( since I would not have sold it if I knew I couldnt transfer ) and I lost on the opportunity to buy XXXX XXXX XXXX ) for another cheap crypto at the time. It has caused me financial loss. Also, now I dont even know if I can get the rest of my crypto or money out. By the way, all my money is cleared it has been deposited from the bank for a while now, so I dont owe Crypto.com anything. I owned all my crypto and sold it and all transactions processed successfully, so I dont owe the company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
1. PMI are junk fees 2. Property value ( XXXX, XXXX, and multiple others ) shows value exceeds requirements for PMI removal 3. PMI should be removed ASAP

Company response to consumer: Closed with explanation