vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Company went to the courts to get a judgement with credit card statements after I have been in contact with numerous credit cards and loans places informing them that I either did not try to get a loan or charged credit cards. These different places are claiming that they are sending certified mail which is false. How am i able to fight and or settle something that I don't recall. They are attempting to collect this debt by bypassing and forcing judgements with just statements. Within the last month and a half is when they started sending mail first class in which I did get and have answered them. I would not have known that it was even going this far until my bank was compromised. This firm should not be given the go to to do such things if not going through the proper channels. Please help. These are extremely hard times and people should not be bullied by large companies that are able to keep filing and using tactics and going through loop holes holping that they are able to just snatch payments. I have a police report in 2019 where my mail has been compromised, I live in a building so there's always something with the mail. At any given day mail could be splattered throught the desk. Its just a mess and now Im being penalized because I didnt even know what was going on. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Noticed XX/XX/XXXX statement showed a balance of {$7000.00} ( 10.75 % ) and a monthly payment of {$480.00}. We called XX/XX/XXXX to ask for the payment to be corrected as the amount is not correct and reflects what we paid when we had a balance of over {$80000.00}. We were told it was delayed because the mortgage was transferred and we would get an itemized bill. Called back on XX/XX/XXXX and spoke to another representative who agreed the payment was wrong and escalated it. Called XX/XX/XXXX to follow up. Called XX/XX/XXXX because we told there would be a resolution and was told they re escalated it. Called XX/XX/XXXX to follow up again because there was no change reflecting on the portal and was told XXXX it should be resolved. Checked today with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Commencing on XX/XX/year>, I fell victim to a scam operation orchestrated by an individual XXXX XXXX ( the Fraudster ). Money was transferred from my NFCU account in the total amount of XXXX USD. I am a victim of a non-delivery scam. XXXX XXXX reached out to me over XXXX saying she sells " fanny packs ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX XXXXXXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax asking them to investigate items on my credit report that was not reporting 100 % accurate on my credit report. it not only took equifax over 60 days to give a response but in the response they did not validate ANY of the accounts in question. All they did was state that the account was verified without showing any proof of an original contract between myself and the data furnisher. as a result I need all these accounts removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: AR

Complaint narrative:
Oliphant Financial is listed on my credit report as a debt that is owed. I just spoke with XXXX at XXXX. XXXX refused to send me a debt validation letter. XXXX stated that I had to call another company and that she did not have the information available and would not provide that information to me. 
This company is trying to state that I owe them money yet they can not prove that I owe this debt. 
This occurred at XXXXXXXX XXXX central time on XX/XX/XXXX They are listing this debt as a collections account for another company. This may or could be a duplicate account as when I did call on XX/XX/XXXX at XXXXXXXX XXXX and spoke with XXXX he stated that is was a XXXX XXXX account and was being handled by XXXX and XXXX which is who XXXX stated that I needed to call. At XXXX when I spoke with XXXX at XXXX and XXXX at XXXX XXXX on XX/XX/XXXX they sent me to call XXXX and XXXX at XXXX which has already taken me to civil court in XXXX for the debt and it was forced into mediation due to the abritation clause in the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
This company keep reporting after being removed from credit by XXXX XXXX  due to a dispute that has been approved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Avant- Credit card notified customers they would not charge late fees or service charges for cash advances for hurricane XXXX in the month of XXXX. XX/XX/year> a second hurricane XXXX hit in the evening creating a second disaster worse than XXXX. I have called and spoken with survivors and agents over an hour today, XXXXXX/XX/year>, the day my payment is due and theyre doing NOTHING to help customers. If I make my payment late, I will receive a late fee. I am in XXXX XXXXXXXX XXXX and I have beed assisted with every other company I do business with. This shouldnt be legal to not assist in the event of a SECOND devastating hurricane that I was in the direct path of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries reported in my name due to identity theft, pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ). I am a victim of a data breach and have been affected by unauthorized accounts and inquiries that have appeared on my credit report without my knowledge or consent.

The following accounts should be blocked and deleted immediately as they were opened fraudulently : Accounts to be Blocked and Deleted XXXX : Account ending in XXXX, Opened on XXXXXX/XX/XXXX, Balance : {$8400.00} XXXX  XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$4300.00} XXXX  XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$6400.00} Inquiries to be Blocked and Deleted XXXX  : Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXXXXXX  XXXX  : Inquiry date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
My account was hacked and {$960.00} was taken. My savings was moved to checking, my XXXX XXXX  moved to checking and then the checking wiped out. I informed Chime to dispute the charges. In less than 24 hours Chime informed me there were no errors and my money would not be returned. I have pictures and proof of the illegal transaction on my account. There is obviously a breach in their security system if this is happening to multiple people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint against Wells Fargo Bank regarding their unethical and deceptive overdraft practices, which have resulted in multiple unjust fees being taken from my account. I recently discovered that I was automatically enrolled in Wells Fargos " Overdraft Protection '' program without my explicit consent. This unauthorized enrollment has led to significant overdraft fees being deducted from my account, which I did not agree to or request.

When I contacted Wells Fargo for clarification, I was informed that I was enrolled in this " protection '' service, which is supposed to prevent overdrafts and associated fees. However, I was never notified of this automatic enrollment, nor did I ever give my consent to be included in this program. I believe that this practice is a deliberate tactic by Wells Fargo to siphon money from unsuspecting customers.

Wells Fargo has a documented history of unethical overdraft practices, including a recent {$3.00} XXXX settlement with the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/year> over similar allegations of improper practices. This ongoing pattern raises serious concerns about their commitment to ethical banking and consumer protection.

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