vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: SC

Complaint narrative:
On XX/XX/XXXX, XXXX promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion XXXX plainly stated to XXXX that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, XXXX and US Dept of Edu. reported to the XXXX back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also XXXX, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by XXXX, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. XXXX stated that loans were PURCHASED from US Dept. Edu and XXXX. There are 3 different lines of false credit reporting remains on my credit. XXXX promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. XXXX and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.

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 2024-04-30 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: MD

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
In accordance with the fair credit reporting act, these accounts has violated my rights. 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 15 usc 1681 section 602-A states i have a RIGHT to PRIVACY.

15 usc 1681 section 604-A section 2 states a consumer reporting agency can not furnish an account without my written instructions furthermore 15 usc 6802 expresses my RIGHT to Opt out of reporting.

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 2024-04-30 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: IL

Complaint narrative:
In accordance with the fair credit reporting act, these accounts has violated my rights. 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 15 usc 1681 section 602-A states i have a RIGHT to PRIVACY.

15 usc 1681 section 604-A section 2 states a consumer reporting agency can not furnish an account without my written instructions furthermore 15 usc 6802 expresses my RIGHT to Opt out of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am writing to file a complaint against Toyota Motor Credit Corporation ( XXXX ) for alleged forgery and fraud in connection with a Retail Installment Contract for the financing of a 2019 Lexus LC 500, VIN : [ Insert VIN ]. 

I am currently involved in a legal dispute with XXXX in the Superior Court of New Jersey, XXXX County ( Docket No. : XXXX ). In this case, I am the Plaintiff seeking a judgment declaring me to be the rightful owner of the vehicle, free and clear of any lien claimed by XXXX. 

In support of its Motion to Vacate Judgment in the aforementioned case, XXXX submitted a Retail Installment Contract as Exhibit A. Upon review of this document, I discovered that it appears to have been materially altered and contains multiple discrepancies from the original contract in my possession, including different dates, amounts, and signatures that appear to be forged. 

Specifically, the signatures on the Retail Installment Contract purporting to be mine, that of the co-buyer ( XXXX XXXX ), and the finance XXXX all show signs of forgery. I have submitted an Affidavit of Forgery detailing these discrepancies to the court. 

I believe that XXXX, as a financial institution, has engaged in deceptive and fraudulent practices by submitting a forged and altered Retail Installment Contract in an attempt to mislead the court and gain an unfair advantage in the legal proceedings. 

Furthermore, despite my repeated requests, XXXX  has failed to provide me with an accurate accounting of my payments and has not corrected the discrepancies in its records, which show an alleged outstanding balance even though I have fully paid off the vehicle. 

I request that the CFPB investigate these allegations of forgery, fraud, and deceptive practices by XXXX and take appropriate enforcement action to protect my rights as a consumer and to ensure the integrity of the financial system. 

Please find attached copies of the allegedly forged Retail Installment Contract submitted by XXXX, the original contract in my possession, my Affidavit of Forgery, and relevant correspondence with XXXX. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation that may be needed for your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: MI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-04-30 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: MI

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-04-30 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, My loan servicer, NewRez, started charging me an extra {$200.00} per month for the mortgage payment for home insurance. Therefore I got my own insurance and provided documentation to NewRez, which they accepted. NewRez stopped their own insurance at the end of XX/XX/ 2024. 

However, I am continuing to get billed for the {$200.00} per month for my XXXX bill and onwards as they have not adjusted the escrow balances to reflect their own insurance going away. I spoke to multiple customer service reps over the phone but they still have not adjusted it after a month. 

I've also put in a written request for the charges to be stopped on the NewRez customer help website but have not received a response. 

I fear that NewRez has no intention to stop billing me unless stopped by a regulatory agency such as the CFPB. I would sincerely appreciate any help here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-04-30 00:00:00
Product: Credit reporting 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:
There are some incorrect information on my credit report

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 2024-04-30 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: NV

Complaint narrative:
I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not thoroughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that Experian never contacted them. I submitted my police report and XXXX fraud report showing these are not my accounts. Experian is lying and violating FDCRA by going through XXXX XXXX and secondary credit bureaus. 
XXXX XXXX says the account was charged off in XXXX  and they have no access to the file so how did Experian get verification from XXXX XXXX. XXXX XXXX has my police and fraud report. They have not have responded to my requests through the attached letter. Even though I have asked over XXXX times. 
I'm a victim of fraud and have the police report and XXXX report to back it up. I have validated proof these are not my accounts. Look at my attached files.

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 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
I got XXXX  XXXX And XXXX XXXXXXXX, During this time period someone accessed my account and used the funds without my authorization. I Filed a dispute with Chime and I provided documents to prove I was XXXX  but Chime approved XXXX transactions and denied the other XXXX transactions. I was provided with a temporary credit for the XXXX transactions. I asked Chime Dispute Team to confirm rather the documents were received or not but I got hung up on XXXX times. The problem is that if chime received the documents they would have to be saying that I didnt do the XXXX transactions and did the XXXX transactions but the paperwork would show that I was XXXX from XXXX thru XXXX at XXXX XXXX XXXXNow my account is in the negative and I dont have access to my funds and I am unable to pay any of my bills. I was told I had to XXXX a XXXXl and with the XXXX being processed and still open why is chime taking my money and refusing to provide the reason why my dispute was denied. I was XXXX XXXXXXXX and XXXX XXXXXXXX during this time my account was accessed and the person who did it sent money from my account to XXXX account but chime told me I couldnt dispute it because it was a member to member payment.So by my account being compromised I asked that the account be closed and a new one opened but got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX  ( XXXX ) XXXX Her name is XXXX and she called offering student loan forgiveness very instant on charging your credit card XXXX dollars for XXXX months then XXXX dollars a month for XXXX years. this is located on the internet in multible places as a scam .... 

you really should shut this place down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: PA

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have a loan with Carrington Mortgage, Acct XXXX. : XXXX. I XXXX XXXX XXXX to my home due to XXXX XXXX, in XX/XX/2022. I filed XXXX with XXXX XXXX ( XXXX ) which has been paid to XXXX XXXX. I have tried to work with XXXX XXXX to release funds to pay for repairs and they are withholding funds requesting documentation that does not exist. They are holding approximately {$97000.00} in funds needed for repairs and refuse to release funds or schedule a further inspection to releasse funds. They are basically stealing my money that is needed to repair damage due to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A Wells Fargo ATM stole my cash, and the bank still hasn't reimbursed me. On XX/XX/24 I attempted to deposit {$950.00} into my checking account via a Wells Fargo ATM located next to the Wells Fargo Branch inside the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX. I inserted my ATM card and my {$950.00} ( XXXX {$100.00} dollar bills, XXXX {$50.00} dollar bill ) into the ATM. An error code popped up on the ATM screen stating that my transaction could not be processed. I expected the ATM to return my cash, but instead it kept my money. There are multiple store cameras aimed at the ATM that can verify my deposit. I immediately went to the branch teller window and spoke with the teller and then the branch XXXX. The branch XXXX stated that since this Wells Fargo branch was located inside a XXXX XXXX they didn't have a key to open the ATM and retrieve my money. The branch XXXX said that I would have to call the number on the back of my ATM card for help. I've contacted Wells Fargo customer service multiple times, but the bank still hasn't reimbursed me. I filed a claim inquiry with Wells Fargo. The claim number is XXXX. The claim remains unresolved. Wells Fargo has stolen my money.

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 2024-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received notification in XX/XX/XXXX ( letter attached ) that I would receive a refund for the overpayment of my loan from Navient. When I received no money, I called them and asked if a check had been mailed in XXXX of XXXX. The customer service rep said that they sent the check and I would get it soon. I waited till XXXX to call them back again and ask if the check had been stolen. They said now they would mail out a check for $ XXXX. I told them then that I would call back at the end of XXXX if I did not receive the check. I called them on XX/XX/XXXX, and they said my loan got transferred to XXXX, and I would need to get the check from them. I said that the previous XXXX reps lied to me, and they said to call XXXX. I called them the same day and they told me that XXXX was to cut my check and they would call me back the same day about the issue if not to call Navient back. I called Navient back, got a voicemail, and informed me that I was filing a complaint because I still have not gotten my check. I paid this loan in XXXX, even during the student loan hold, because I wasn't sure if I would get my loan refunded, but now I wonder If I should get back all my payments. Please see the attached screenshots of my payment history... I XXXX have missed some letters saying my load was to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a customer of XXXX XXXX XXXX since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was XXXX from multiple employers between XX/XX/XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being XXXX by XXXX  and what I thought were XXXX. In addition, I was XXXX from my place of residence because I got too behind on my XXXX leaving me XXXX since XXXX of XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THE CEO ALONG WITH UPPER MANAGEMENT TO RESOLVE THIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING AND RENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! I HAVE WORKED SINCE THE AGE OF 15 DESPITE MY CIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUE TO THE XXXX THIS SITUATION WITH XXXX XXXX XXXX ALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. I AM CURRENTLY XXXX AS MENTIONED WITH NOTHING TO SHOW FOR IT, I AM ON SEVERAL XXXX THAT I TAKE TO REMEDY MY XXXX XXXX XXXX BUT I AM STILL UNABLE TO WORK, I HAVE APPLIED FOR ALL ASSISTANCE TO EVERY CAPACITY HAVING BEEN TURNED DOWN BY EVERYONE AS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALL OF THE LATE PAYMENTS ON MY ACCOUNTS ALONG WITH REIMBURSEMENT OF {$480.00} IN LATE FEES TO BOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK OR ANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN 30 DAYS, I WILL FILE A LAWSUIT AGAINST THIS COMPANY ALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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