vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report 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 2023-04-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
Charter has received their boxes and was informed that the account was included in a XXXX  XXXX bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts was charged off XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXXXXXX Account number XXXX, XXXXXXXX XXXX XXXX Account XXXX : XXXX Best Regards, 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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX has several campaigns to reach a certain status if you use your cobranded card by XXXX date. In this case, if I used my card by the end of the statement balance in XX/XX/XXXX, my status at XXXX XXXX would be achieved. However, this is a scam. They are now saying they need to investigate why all my charges in XXXX were slotted and put into XXXX ( conveniently ) excluding or granting me any oft the so called promotions they so deeply offer. It's been 1 month and half now, and XXXX has yet to respond and all they say is that they are looking into it with Citi. 

Payment in XXXX, was actually paid early and the remainder was paid on the due date of XX/XX/2023. However, the batching process according to XXXX XXXX show that payment was only received in XXXX, which means my points do no show for XXXX but in XXXX. They are saying this is an error on the Citi side that needs to be fixed. Obviously I took screenshots of the payments in XXXX, and really amazed at all these flaws ( or attempts not to honor their own promotions ). 

Even on the XXXX XXXX it says QUALIFY BY XX/XX/XXXX... When I called in on a recorded line- they said all the spend thru the end of that billing cycle would be towards the current year as it is clearly illustated in the app. Somehow, on XX/XX/XXXX, the points I accured automatically went to XXXX ... What a scam.

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 2023-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In XX/XX/2020, the vehicle was stolen. The lending loan company or bank Citizens Bank was notified. After a few weeks the vehicle was located but unfortunately at that time due to work being an hour away from my home I had to purchase another vehicle. Due to the fact I couldnt afford XXXX vehicles I had Citizens pick up the vehicle. The vehicle was worth more than XXXX they sold the vehicle for $ XXXX and request I pay the remainder which is completely inhumane being that this all occurred due to unforeseen circumstances. As a disputed this with credit bureaus showing the police report it didnt correct anything except show that I have been attempting to make payments. But Im really in a hardship and discuss this with citizens but theres no one who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX. 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 explanation
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my XXXX XXXX which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the XXXX Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.

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 2023-04-06 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: FL

Complaint narrative:
XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my Credit Score which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the Credit Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is not reporting the correct outstanding Balance and Amount owed every Month or Bi-weekly and that is creating issues with my Credit Score which is not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. Tried to resolve amicably with the Company but the Fraud still continues. 

Please see the attachment. Even though my outstanding balance is shown as {$12000.00} as on XXXX, after payment made on XXXX, the Credit Report shows an outstanding amount of {$13000.00} which is Fraudulent and an Offense under Anti-Trust Laws since the Credit Reporting Agencies are hand in glove and a tactics of 'Monopolization '. Kindly investigate thoroughly.

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 2023-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I got a personal Loan for {$70000.00} and told them I only needed {$63000.00}. I immediately sent/stated {$7000.00} will be return. I was charged interest on it and fees. Also my payments are auto payments and rather then taking the fund on the agreed date, they wait about to days to get the money out of a Wells Fargo account. When I make additional payment that place it as interest, rather than towards the principal. Their practices are questionable and need to be looked into. If I was a person, that does not monitor this, I would be robbed. They will do right for a moment, than go back and do the same actions and add fees. I send additional payments to go towards the principal, NOT the interest. When, you write the Wells Fargo, CFO, a certified letter, and the letter are resealed ( noticeably ) and returned without a response. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate their actions in depth.

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 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma Investigation Team, I would like to inform you about receiving our share of our tax refund in which my daughter and I have been used and claimed as dependents and sent to a Credit Karma account who belongs to XXXX XXXX using XXXX! This person has already fraud charges and has used us to get a larger refund amount! Keep advised it is being investigated by IRS.I have had an account with Credit Karma for over 2 years, with that XXXX should have our income tax information for previous years, this person who has entered our information, manually by taking our numbers down, used them, and in finding out, to avoid issues or myself reporting him, he allowed me full access to the account, handed me the debit card, then deactivated it without letting me know and ordered another to be delivered to his mother 's address, come to find out he emailed XXXX stating I had access and he didn't want me to have the access.Further action in filing charges is being taken. 

XXXX XXXX XXXX On Wed, XXXX XXXX XXXX XXXX XXXX Credit Karma XXXX wrote :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Foursight Holding LLC
State: TX

Complaint narrative:
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : FOURSIGHT CAPIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: IL

Complaint narrative:
On XX/XX/2023, a fraudulent transaction was posted to my account that caused my account to go negative. I reported the charge as fraudulent the same day. After reporting the charge as fraudulent, Chase informed me that a temporary credit would not be applied to my account for 10 days. I literally have no money until the temporary credit is applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had an auto loan through XXXX XXXXXXXX XXXX XXXX. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay XXXX XXXX  XXXX loan off. XXXX XXXX XXXX loan was supposed to remove entire tradeline of credit from all XXXX credit bureaus within 21 days of receiving payment from dealership. It also states that XXXX XXXX XXXX XXXX can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t XXXXXXXX XXXX XXXX XXXX reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all XXXX credit bureaus, but they all reach out to XXXX XXXX for verification and XXXX XXXXXXXX XXXX XXXX tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted XXXXXXXX XXXX XXXXXXXX XXXX about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7

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 2023-04-06 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: GA

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal 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 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am in a little financial distress and I called a banker at Wells Fargo to address some issues. 
I knew I had a bunch of things coming out of my account and a way to make sure they were not going to come out of my account. 

The banker told me if I changed my card that I would have to reconnect to any bill to have it come out of my account. I needed a new card because of a damaged chip anyways. 

This was not the case the company that pays my rent on the first of the month still came out. It breaks the payment up and charges me the first half on the first and the second half later on in the month both payments are XXXX plus another XXXX XXXX  charge. I was planning on breaking my lease and had already talked to the property manager about it. I also had a XXXXXXXX XXXX charge come out as well. This drained my account and made impossible to do my job and multiple other problems

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 2023-04-06 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: NH

Complaint narrative:
I really give you dates but will tell you what I do rember.A freind told me about a banking service online that she uses and refwred me to the service. I statrted the process with no problems.Part of the login process ist use your email address & a password.I provide them both and had my direct deposit sent to Chim.This all started about amonth ago.I notified Social security of the change in banks in sufficent time so the direct deposits could start thismonth, > ( I am retired and on XXXX ) I go to log in and used the email address that I thought I used along with te ppassword I thought I used & had no luck in loggimg on. 
The funds are in an account I have no access to to pay my rent and other bills.The service is Chime Based in XXXX XXXX CA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar has locked my checking and saving accounts with no explanation, email, letter or text notifying me as to why. I found this out when after doing my own research when making a monthly payment for my auto loan. I have been trying to make my payments online since XX/XX/23. When I transfer funds from checking/savings account I get a successful transfer ( took screen shots as proof ). When I log into my account it says {$0.00} payment due by XX/XX/23. However, no funds are being withdrawn and there is no payment being applied from my Vystar checking and savings account. I received no explanation, email, letter or text notifying me of this. I am under the impression that my payments are going through ( took screen shots of the successful message from Vystar of transfer ), yet behind the scenes its ailing in the transfer history log. I am being charged a late fee {$15.00} for this and have an adverse credit concern. This is not the first time they have done this to me. When I paid off my personal loan ( golf cart loan ) with a refinance, there was a {$23.00} balance. I sent a {$23.00} payment to satisfy the remaining balance this off multiple times. However, when I logged into my account it still said balance of {$23.00} but {$0.00} payment was due. Then they hit my credit with a 30 day late, but the following month the account shows paid off {$0.00} balance. But the late fee still shows on the credit. Vystar needs to have some accountability for this, better transparency and notifications sent to customers when there is an issue.

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