vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX 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 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 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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I have attached an FTC report with a collection and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime via XXXX XXXX closed my account on XX/XX/2022 as I was paying for a money order to pay my rent. They closed my credit builder account, savings account, and checking account totaling over {$4700.00}. I received a message stating the account was closed because of a violation of a XXXX XXXX which has yet to be explained. The e-mails state I shouldve received my closure check within 30 days but it has been 77 days and I am still receiving the same automated messages I received on XX/XX/2022. I have provided the correct documents to have my closure check sent to a new address, but there are new representatives sending the same automated emails for the past 48 days. 48 days is closer to 60 days than 30 days. I am getting the runaround as I have provided documents to the links provided by the XXXX XXXX ( most emails have blank links ). The customer service representatives mention they can not help and only the Back Office can assist, but there is no one to talk to. The closure check has not been offered to be sent via XXXX or at all. No associates are helpful via email, over the phone, or through twitter. They are GATEKEEPING {$4700.00} and gaslighting me via email by sending the same automated messages since XX/XX/2022. I have called XXXX times each day for the past 77 days and each representative states to email Chime Support and when I do I receive the same automated emails asking to provide the information I previously sent or telling me my account is closed for violating a Deposit Agreement which is counterproductive seeing that I am seeking my closure check to be sent via UPS ASAP!!! The company has failed to offer humanistic values and is GATEKEEPING {$4700.00} causing evictions and unpaid bills to pile up for the past 77 days. The agents are XXXX  and talk in circles. XXXX agent stated that I would not get a check because the account balance was {$0.00} ( which means a check has been made ) but that spreads misinformation. With the foreign status of callers they lie often.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage reported that our Mortgage was late for XXXX months XXXX and XXXX of XXXX, and that there was not a final payment at the end of escrow. 

We filed a dispute with them saying everything was current including all our payments to them. 
THey investigated it and found out that we were correct and that they were going to correct this and report it to the credit agencies. 
THis never happened. 
THe other was that we had missed a payment in XXXX of XXXX We sold the house in XXXX and we asked them if we had to make the XXXX payment and they said no, that it was covered in the escrow that was going through and not to worry. 
THey investigated this as well and found the recording of the representative who told this to us and cleared this up as well. The only problem is this was cleared up in XXXX and still has not been corrected. 
I called them yesterday and the representative on the phone said she saw the evidence that we need and said she would send a letter via email supporting this. As soon as i receive this i will submit this to the case. 
Please help us we are trying to buy a house and this is stopping our progress. 
Thank you 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 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Scam post was put on XXXX by XXXX XXXX on XXXX2023 He stated he had XXXX XXXX XXXX XXXX for sale. 

XXXX XXXX/XXXX/2023 XXXX transfer from Wells Fargo XXXX Account {XXXX} XXXX XXXX/XXXX/2023 XXXX XXXX transfer XXXX Wells Fargo Bank XXXX Account {XXXX} Total of {XXXX ( agreed upon price ) sent to XXXX XXXX XXXX for XXXX XXXX tickets. Seller did not send the tickets and requested an additional XXXX} at which time we new it was fraud/scam. He would not answer any additional correspondence. 
Called Wells Fargo XX/XX/2023 and they for some reason only entered XXXX fraud claim # XXXX for XXXX {XXXX} transaction. Called Wells Fargo back on XX/XX/2023 for status and they said the claim was closed. On XX/XX/2023 Wells Fargo generated the XXXX claim for the XXXX {XXXX}. Claim # XXXX. 
Called Wells Fargo back on XX/XX/2023 to check status of XXXX claim. Wells Fargo stated XXXX claim was also closed and is not liable for the {XXXX} and will not refund the money back into my account. Tried to escalate claims through Wells Fargo but they stated there was nothing else they could do.

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 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

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

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 2023-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX ) XXXX XXXX XXXX Directory XXXX XXXX XXXX XXXX IL XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX / # XXXX Directory XXXX XXXX XXXX XXXX XXXX Tx 3 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX dir # XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Fl XXXX ) XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ) XXXX XXXX  XXXX ... Dir # XXXX XXXX MI XXXX ) XXXX XXXX XXXX XXXX ... dir # XXXX XXXX NC XXXX ) XXXX XXXX XXXX XXXX dir # XXXX XXXX NC XXXX ) XXXX XXXX. XXXX dir # XXXX XXXX XXXX has violated my rights. 
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 an account without my written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX ) XXXX XXXX XXXX Directory XXXX XXXX XXXX XXXX IL XXXX XXXX ) XXXX Bank XXXX XXXX XXXX XXXX / # XXXX Directory XXXX XXXX XXXX XXXX XXXX Tx XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX dir # XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX Fl XXXX ) XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ) XXXX Funding XXXX ... Dir # XXXX XXXX MI XXXX XXXX XXXX info ser. XXXX ... dir # XXXX XXXX NC XXXX ) XXXX info ser XXXX dir # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX dir # XXXX XXXX VA has violated my rights. 
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 an account without my written instructions of the consumer to whom it relates.

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 2023-01-13 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
A student loan was taken out in XXXX with me assigned as Guarantor without my permission. Per my research, it was discharged in XXXX. In XXXX, far beyond the statute of limitations, Navient assigned the loan to my name and social security number and threatened and harassed me several times a day that they would damage my credit- which they did. All of the while, never contacting me about the massive class action lawsuit they were in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian, XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

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 2023-01-13 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: MA

Complaint narrative:
On XX/XX/XXXX an account # XXXX with XXXX XXXX XXXX obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the Massachusetts XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to Transunion, XXXX, and XXXX who are still reporting fraudulent information on my credit file.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 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 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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Schools First directed me to the XXXX XXXX XXXX XXXX. That California state program awarded me {$70000.00} to catch up completely on my mortgage due to covid income reduction. Schools First will not accept the money from the state of California to the point that the State agency has asked me twice to contact Schools First and tell them to accept the money. I have contacted Schools First and they refuse to accept the money to bring my mortgage current. I have been in foreclosure since XX/XX/2022 and have worked extensively with Schools First Loss Mitigation ( called XXXX ) ; they have " lost '' my application more than 10 times, scheduled 4 or 5 short sale foreclosure sale dates, refused to keep me updated, started me over in their process more than 10 times, and added on one ridiculous demand after another ( oh we lost your current bank statement we need 3 months more ), over and over again. All I want is for Schools First to accept the {$70000.00} grant awarded me from the XXXX XXXX XXXXXXXX XXXX and bring my account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian, XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/19 Balance : {$14000.00}

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