vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2023-06-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has several accounts that are not mine listed and will not remove them. XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I would like these accounts removed they are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: IL

Complaint narrative:
it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a suntrust credit card from many years and when suntrust was taken over by Truist, I tried to get a new card as my old suntrust card was damaged, the new card was never sent, I am assuming due to the transition. Yesterday I got a notice that the account was being closed due to inactivity but the only reason it was closed was because I new card was not issued after repeated requests. I also did not receive notification that the account would be closed due to inactivity until after the date of closure which was XXXX XXXX XXXX  Notice of the account closer was received on XX/XX/. They are now telling me the account can not be reopened and I am concerned with the impact to my credit rating due to the loss of available credit.

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 2023-06-05 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: FL

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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 2023-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I received a deletion letter from Collection Bureau of America in XX/XX/2023. 

In this letter, the company promised to send a submission to the credit bureaus to remove the account. But the account still appears on my credit report. 

Please see the attached removal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX XXXX I mailed a certified letter to Navy Federal, concerning an auto loan. The loan # XXXX. The car was involved in an accident, and the car was a total loss. The insurance company paid {$13000.00}, Now Navy Federal is saying that the balance of {$4000.00} is due on the loan. I disagree, I read 15 USC 1605 ( a ) ( 5 ) Determination of finance charge. According to this law it states in the finance charge there a Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default or other credit loss. I want want Navy Federal to use the insurance included in my finance charge as stated in the law. As of today I have not had a written response from Navy Federal. I requested all correspondence to be in writing. I requested no adverse action be taken against me while this matter is being disputed. On XXXX XXXX, Navy Federal transferred {$320.00} from my checking account to put on the auto loan. That was adverse action taking money from my account. I have a right to get the questions answered that i asked. I still have not heard from Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The salesman did not inform me about the rescission period, which is my right to cancel the purchase within a specified timeframe. Additionally, I was misled by being told that my timeshare purchase was an investment that increases in value. The promise of the developer buying back the timeshare when I want to sell turned out to be untrue. 
Furthermore, I was not properly informed about the maintenance fees, which were said to go up by only a few cents every year. The promised hour-long tour ended up lasting XXXX hours, causing inconvenience. On XX/XX/2023, {$2400.00} was charged to my credit card without my full awareness. They made a hard pull on my credit without my consent or proper notification. 
Despite my efforts to address the situation, writing XXXX letters and making XXXX phone calls, they refused to cancel the purchase. They claimed I was a day late and that I sent the letter to the wrong department, which suggests their refusal may be unjustified. Furthermore, the salesman allegedly forced me to sign by not allowing me to leave the room and misleading me about the purpose of the signature, falsely claiming it was for a hotel payment that was never made. 
Based on these circumstances, it appears that my consumer rights were violated, and it would be advisable to seek further assistance or legal advice to address the situation and potentially explore options for resolving these issues.

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 2023-06-05 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
No amounts where settled or fixed by XXXX XXXX rather than the scammer falsely claiming to be me. This happened last year. I opened up a bank account with my father and I received a letter about a Wells Fargo account that was closed but I had never opened it. It was received to my fathers XXXX XXXX which I dont use. I worked and worked my way into finding out by opening credit cards as I worked and always paid on time. I came to the conclusion on who this might be and it is a family member that lives with us. I dont want to be blaming him but it isnt fair that they they thought I was doing illegally stuff when I was doing everything right the legal way. Now I want to do this right by speaking up. Its illegal to be tampering in peoples business this way. Also paid subscription of XXXX XXXX that were going thru a credit card that I never opened up? So there was two XXXX XXXX  accounts? I grew and grew to the point where I saw the whole scam being committed by this person. I have not paid these cards ever since XXXX last time I used one was XXXX. I was authorized to my parents credit cards and the person using my name was slowly showing up in the system.

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 2023-06-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every XXXX  month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.

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 2023-06-05 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the XXXX XXXX, I need these to be 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 2023-06-05 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:
On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, XXXX, and Equifax and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly Investigated the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly verified the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I asked them to remove the bankruptcy. However, I pulled my credit report today. XXXX deleted the bankruptcy. But Equifax and XXXX have not deleted it yet. It has been more than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: NV

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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 2023-06-05 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:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach and the XXXX XXXX, I need these to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hello! I wanted to file a complaint against Chime bank. I understand theyre not a bank but my money was stored there. Ive been a customer for about almost two years, I never had an issue till XX/XX/XXXX. At XXXXXXXX XXXX all my savings was transferred to my checkings account. I see that my card was being used in XXXX XXXX Fl XXXX XXXX store XXXX. My card was used there three times. The first transaction was {$210.00} at XXXX the second one was {$210.00} at XXXX and the third one was {$200.00} XXXX. They proceeded to use my card at XXXX XXXX in XXXX XXXX Florida XXXXXXXX XXXX  XXXX for the amount of {$1.00} XXXXXXXX XXXX 
They still continued to make purchases, my card used at XXXX after the XXXX XXXX for the amount of {$3.00} at XXXX, second time for {$1.00} at XXXXXXXX XXXX and third time for the amount of {$11.00} at XXXXXXXX XXXX  That was the third time they used it at XXXX. They at last they used my card on the mobile app XXXX XXXX XXXX, the amount used was {$20.00} at XXXX. I never made any of these purchases. I live in a different state.I dont have family in Florida where the transactions were made, nor anybody that has access to my card and bank information. I never go into store multiple times making these type of transactions! My money was being used by someone that was unauthorized. I see that my claim was denied but Im not going to give up. This money was worked with a lot of hard work and sweat. I need every cent of it back! I never had a problem banking with chime but this will be the last time I do. I filed a dispute with Chime and they did their investigation I received an email saying my claim was closed on XX/XX/XXXX at XXXX. They told me no error was occurred therefore no funds will be credited to your account and this claim is considered closed. I feel like they are doing nothing to help me recover my funds I made a call today and they said they will send me my documents that they used during this investigation. I recommend everybody to save themselves some time and choose wisely on who to bank with. Below I attached the screenshots of where the purchases were being made and the amount with the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
Source receivables management has continued to violate a federal stay in my XXXX  XXXX bankruptcy proceedings. I filed on XX/XX/XXXX a week later I received a debt validation letter from SRM I contacted them and alerted them to the proceedings. They asked for my attorney information and number and I gave that to them. Since then on XX/XX/XXXX, XXXX, and XXXX I was contacted by SRM from a unknown local number. On XXXX when I answered the phone I asked the representative why was she calling me after I have given them the info regarding the XXXX  XXXX I advised her to contact my lawyer or the trustee. She confirmed on her end she received that info and quickly hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington Mortgage is incorrectly reporting late payments on my credit when I had a loan modification in place. Additionally, Carrington Mortgage lost my modification documents then approved my modification iXXXX XXXX of XXXX  then cancelled in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TX

Complaint narrative:
in accordance with 15US. CODE 16821C-2, I wish to request deletion of wrong addresses on my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX And under 15US. CODE 16821b, the address should be deleted immediately, this address is an act of identity theft, it should be deleted immediately.

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