vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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:
I disputed some address that were not mine. 
I disputed a collection account called XXXX. 
XX/XX/XXXX I disputed three chase credit card charge offsfor the wrong amount XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed XXXX XXXX XXXX  for wrongfully repossession of my car without contacting to get it back before auction. Now it is reporting on my credit for the wrong amount. 
XX/XX/XXXX I disputed a hard inquiry called XXXX thats not mine. 
I disputed previous employment XXXX XXXX  thats not mine thats repoting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  TX is not my address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL is also not my address.

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 2023-08-23 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: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023 my bank navy federal credit Union denied my fraud claim charges of {$2200.00} [ Incident : XXXX ] and {$270.00} [ Incident : XXXX ]. I never made those charges and I feel as if they never conducted the correct investigation. After that date they had ask me for my identification which I had submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filed a claim with Wells Fargo regarding a XXXX order that was never delivered my order total was XXXX I contacted XXXX and was informed from XXXX I would be refunded within XXXX business days after the XXXX business days I did not receive the credit from XXXX I XXXX Wells Fargo XXXX have them step in to get my money back from XXXX Wells Fargo XXXX XXXX claim I get provisional credit from Wells Fargo bank XXXX XXXX in I receive a letter from a Wells Fargo XXXX XXXX they need more information to get my money back from XXXX I XXXX them the screenshot of the conversation I had with XXXX confirming XXXX money would be returned I emailed this Wells Fargo XXXX department I have not herd anything back from Wells Fargo after XXXX I am told it was take time for Wells Fargo to review and make a decision however this morning I wake up XX/XX/2023 and I see Wells Fargo deducted XXXX from account I am confused on why when i never filed a claim for XXXX I call Wells Fargo XXXX XXXX out whats going on first things first Wells Fargo XXXX XXXX know whats going on I sat on hold after I explained myself to a Wells Fargo claims XXXX he puts me on hold for XXXX minutes doesnt even check in with me or nothing and tells me oh sorry it was a big misunderstanding but we are going to refund you back XXXX within XXXX business days so Im confused because i was calling about XXXX being pulled from my account I asked whats going on with my claim he said the claim is being closed the bank is going to take a loss and write it off and the claim will be closed in my favor within XXXX days they have to update there records etc etc telling me stuff I dont care I am beyond irritated and frustrated I want my money back that was taken out of my account I dont even understand how this happens I would of expected Wells Fargo to pull XXXX if my claim was denied XXXX XXXX did not receive any letters informing me of a denied claim and I dont know why XXXX was taken when the claim amount was XXXX this is Wells Fargo just taking money from its clients once again expecting not to get caught

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 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
Hi, In XXXX, I went to XXXX XXXX fertility center in XXXX, CO for treatment. XX/XX/XXXX, I had my XXXX XXXX. The provider doesn't do this service until the payment is paid fully. We made the payment, got the service and everything was fine. 

Around XX/XX/XXXX, I got contacted by Alpine Credit ( debt collector ) saying I still owe to XXXX XXXX. This is not true. I made all payments in early XXXX to XXXX ( billing manager then ) and she wrote on the receipt saying 'Full Paid ' as confirmation. When XXXX XXXX reached out, I furnished all information I have with attachments in an email on XX/XX/XXXX. After that I didn't hear from anyone. 

Fast forward XXXX, I get a call in XXXX saying I have a balance of $ XXXX still. They had no explanation/response to my email from XX/XX/XXXX. I have clearly stated that I am disputing this charge because 1. I don't really owe. 2. They ghosted on me in XXXX and coming back 3 years after without an explanation. Please advise on how I can proceed or file a complaint legally.

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 2023-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
There is a collection that was just listed, I disputed it I have no idea what this is nor is this mine and never received anything from this company. Please help

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 2023-08-23 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: Synovus Bank
State: IL

Complaint narrative:
This is my formal complaint to 1STPROGRESS/XXXX for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX 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 2023-08-23 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX, I XXXX {$700.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, After reviewing my credit reports I noticed that your company are alleging that the following account XXXX XXXX  are negative without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remaks. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX As your company know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account XXXX XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the account XXXX XXXX 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 2023-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, After reviewing my credit reports I noticed that your company are alleging that the following account XXXX XXXX  are negative without furnishing any proof of verification of this debt or that your company followed all laws and regulations to report therefore your company must remove all negative and adverse remaks. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX As your company know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said account. 

Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account XXXX XXXX but if your company are unable to provide the full reports of how you validated, verified, and how your company in compliance then you must remove the account XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
My mortgage was serviced by Midland Mortgage ( MM ). Per the attached documents, they modified the mortgage payments due to the delinquency caused by Covid 19. After the loan was modified, MM claimed would not accept the new payments and then proceeded with foreclosure action. All of my trial modification payments were made timely, and MM would not honor the final loan loan modification terms. My property was sold at foreclosure auction on XXXX to XXXX XXXX and I am now facing eviction. I feel cheated and deceived by MM. They are in clear violation of CFPB law 1024.41and I am seeking restitution from them.

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 2023-08-23 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: FL

Complaint narrative:
It appears someone in XXXX, Florida ( where I have never lived, owned, or rented property ) may be using or have accounts in collections that are being reported on my credit report. I've disputed the associated address, the related collections ( rent, utilities, etc. ). I submitted these to XXXX, XXXX, and Equifax. 

However, the responses are not actually processing the dispute. Instead, they are merely " correcting '' the address but even that " correction '' is the exact same address in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
I have no knowledge or affiliation with and would like to have these accounts DELETED from my credit IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: IL

Complaint narrative:
This is my formal complaint to TRANSUNION for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out dispute letters to them last XX/XX/2023, and XX/XX/2023, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX a credit card account was opened or attempted to be opened from SYNCBXXXX and SYNCB/Low on my SSN, and I did not make any inquiries. On XX/XX/XXXX and credit card account was attempted to be opened under my middle names and my SSN with XXXX XXXX. I did not make this inquiry either. I received the denial letter in the mail from XXXX XXXX  on XX/XX/XXXX which alerted me to check my SSN and experian report. I have spoke with XXXX to remove these hard inquiries from my SSN. XXXX XXXX  has also reported the occurrence as fraud and I have put a security alert on my SSN from XXXX to hopefully make it hard for this to happen again and hopefully resolve the 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 non-monetary relief
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE INQUIRIES WERE NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TN

Complaint narrative:
I am a victim of identity theft. My personal information was stolen and used to get loans and credit. I filed a police report. The following accounts are still on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX There are other accounts still pending review The FCRA is not being followed. I have not been supplied with copies of the verification process.

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 2023-08-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I continue to receive a bill that was accrued during a time where my medical bills were covered via Medicaid due to a serious XXXX, inability to work and months of treatment. I have called and sent them the Medicaid number as well as faxed them proof of coverage several times and they refuse to accept the fact that the bill should ID covered by Medicaid. They tell me thank you and the issue will be resolved, however, I continue to get a bill. Also, each call to them they tell me they are unaware of the Medicaid coverage in spite of me sending and informing them of the information several times over the course of a year. This is harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: VA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-23 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: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/2023 and I noticed that this Inquiries had been made

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: DC

Complaint narrative:
XXXX sold a defective product that was falsely advertised with respecting to the listing on XXXX 's page. Then, XXXX took the following actions : XXXX. XXXX 's customer service agent XXXX promised that the refund would be processed for this item to the original form of payment. " Please don't worry. '' " You will get the refund. '' " In your original payment method. '' 2. The website also assured that the " refund has been issued '' and that " A refund will appear on [ my ] bank account or credit card statement within the next 7 days. '' None was received on my Fidelity credit card statement. Please note that these two pieces of evidence of Amazon 's actions towards to the customer were submitted as evidence at the beginning of the Fidelity dispute investigation process and have also been attached here to this CFPB complain.

I then contacted Fidelity, who was negligent in investigating the case. Fidelity sided with the merchant citing the merchant 's return policy. Per that described above, the merchant deliberately prevented the customer from following the merchant 's return policy by lying to the customer, which was communicated to Fidelity multiple times. Fidelity was provided all of this documentation but was negligent in investigating the claim and, in fact, incorrectly investigated the claim. Moreover, the Fidelity case processor working on the case did not return callback requests that their customer service agents had put in for the case processor.

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