vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-31 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: AZ

Complaint narrative:
I have been more than patient and have tried to fix this issue multiple times with Equifax and no resolution has been done. As of XXXX XXXX a law suite against Equifax for the improper use and inaccurate information of my credit report has been filed. With my last complaint I gave Equifax 14 days to respond and they ignored that request. Equifax has been subpoenaed as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Agency of Credit Control
State: OR

Complaint narrative:
They never properly identify themselves on the phone.The phone number is XXXX and they say they are from XXXX XXXX XXXX. I have never had an account with them. They have never sent a dispute letter or any type of correspondence verifying the debt. Spoke to them about sending information, but they refused to verify any information. Also, advised them that I was a senior citizen with only social security as income. So I think the debt is not ours. They also never sent a letter verifying debt or the right to dispute. I asked them to stop, but they continue to call. They keep leaving messages as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

Complaint narrative:
After reviewing my credit report, I noticed an account from XX/XX/2020, from XXXX XXXX XXXX, stating I had a balance of {$150.00} past due when the account was paid in full on XX/XX/2020. I contacted the credit company, and she stated she would make the credit reporting company know about the issue. It yet has been updated. This issue looks very bad 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 explanation
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.

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 2023-03-31 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/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 2023-03-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date 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 2023-03-31 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: Informative Research
State: GA

Complaint narrative:
I consented to a credit inquiry on XX/XX/XXXXXXXX  performed by XXXX XXXX XXXX Informative Research XXXX I DID NOT authorize my credit to be pulled AGAIN on XX/XX/XXXXXXXX XXXX  by the same entities. As a result I request that all reporting credit bureaus remove that inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Double Diamond-Delaware, Inc.
State: TX

Complaint narrative:
Hello, I am writing this email with so much stress and so much pain going through this land process with this company. I was sold this land under false pretense. I complained several times that I am no longer interested after finding out it was all a scam all along. I was sold a land worth {$19000.00} for {$49000.00} and after several attempts to reach the company, their office phone and address, all to no avail. Several other of my friends experienced the same thing. The company double diamond scams people and sadly I happen to be one of them. I paid for over a year, because I had added my payment to autopay. They didnt have any support or customer care I could reach when I needed help, I told them several time I dont want the property anymore because of the scaming theyve been doing. I called the credit report to report it earlier this year but I was told to wait until it posts under my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: LA

Complaint narrative:
XX/XX/XXXX An account was open in my name using data that is listed on my job website that was hacked as well. The hacker changed my banking information to unknown Chime account. A police report was made. My job has also tried to get the money sent back. Chime only sent XXXX of XXXX dollars. I have reached out to Chime 3 months straight, uploaded documents as well as identification and yet Chime have not rectified my concern of my refund. 

My job sent a report to chime to retrieve funds : Duplicate ticket -- Indemnity letter for PP26 was sent to XXXXXXXX XXXX on XX/XX/XXXX. We have not received a response/funds back at this time. We are not authorized to make refunds until the bank returns the money. The money was sent on trace # XXXX with a transfer date of XX/XX/XXXX and effective date of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase auto finance has violated my consumer rights by failing to comply with federal laws that protect consumers. Specifically, they have violated 15 USC 1666B, which requires lenders to provide notice of changes to account terms at least 21 days before the effective date of the change. Despite this requirement, I have never received any notice from Chase auto finance within the required timeframe. I am now requesting verification that they sent out a letter within 21 days certified mail so that I would have received it on time.

Additionally, Chase auto finance has violated 15 USC 1681a, which defines consumer reports and sets rules for their construction. According to this law, consumer reports do not include reports that contain information about a consumer 's transactions or experiences with a particular creditor. However, it appears that Chase auto finance has included such information in my credit report, which has had a negative impact on my ability to obtain credit.

Despite my efforts to resolve this matter with Chase auto finance, they have refused to address the issue and have been in willful noncompliance with the law. As a result, their actions have injured me by hindering my ability to live in the working world through increased interest rates, and by defaming my character and making it difficult for me to acquire credit cards and other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MS

Complaint narrative:
In late XXXX/early XXXX of this year ( 2023 ) my husband and I made a request to have PMI removed from our mortgage. It was followed with a denied request in the mail and we followed up with Lakeview XXXX to askabout our options for a BPO or appraisal. We have asked if we could have a third party complete either of these on our own since we have been yelled at and treated poorly by employees of the Lakeview XXXX and no longer trusted the company to hire a nonbiased party that would only offer fact over the company 's best interest. The company has stated that policy within Lakeview XXXX states that we must have either the BPO or appraisal completed through their company and paid to them for the third party service. We made a formal request for the written policy and date of initial policy being enforced. On XX/XX/2023 the representative started the formal request to have the written and enforcement dated policy sent through the mail to our listed address. We have yet to receive proof of said policy nor have we been treated as valued customers through the employees of the company.

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 2023-03-31 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: MD

Complaint narrative:
When I went car dealership the dealership said they was going check my credit and its 2 inquiries I never seen or no knowledge of. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo apparently suspended my account the same hour i opened it. I was also never sent an email informing me that my account was suspended i had only found out because i tried to transfer money to my bank i have literally one transaction ( THE ONLY TRANSACTION ) and it was from my neighbor i contacted venmo but they said that my situation should be handled by a " account specialist '' but i have NOT been contacted and my money is sitting here and i have bills to pay. Please XXXX XXXX XXXX XXXX XXXX look into this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I traveled to XXXX, XXXX for dental work. I had an appointment at XXXX to XXXX XXXX XXXX at XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, and XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I took a taxi cab and arrived in front of the building around XXXX where the incident of theft happened. The taxi cab stole my phone, confiscated my XXXX XXXX, and gained access to my online banking to submit an unauthorized XXXX transfer to an XXXX XXXX phone number XXXX in the amount of {$3400.00}. My phone that was not in my possession at the time of unauthorized transfer, was an XXXX XXXX XXXX XXXX and the suspect is still using my phone. I have reported the serial number and IMEI in the police report. I've also reported this incident to the the FTC and FBI. 

I have explained to Bank of America what happened as the person who sent the XXXX transfer was not me. I did not receive any gift or services from an XXXX XXXX. Bank of America has failed to recognize this as an unauthorized transaction by theft or robbery outlined in Regulation E. BofA emailed me their decision and is not honoring my claim, see attachment. Please help me recover my funds. Reverse this unauthorized electronic funds transfer I did not give consent to.

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 2023-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Had reached settlement agreement with TD Bank to settle account for {$1500.00} in XX/XX/XXXX. I called TD Bank and made payment over the phone with td bank agent in XXXX of XXXX and instead of taking the amount that was agreed to in writing and over the phone, the agent took the full balance of {$3100.00} without my permission or knowledge. Attached is the agreement in writing and receipt from the website on the payment amount and date they took it. 

In the meantime, I have been in touch with TD Bank since XX/XX/XXXX. I spoke with several people. The last person I spoke with was a supervisor named XXXX XXXX. His agent number is XXXX. He reviewed the phone call from XXXX on XX/XX/XXXX and verified everything above. He stated he is reaching out to his accounting department to see what could be done. He told me he doesnt know if they will refund me or not. I asked for that in writing and anything else they do and he couldnt provide me with anything but passed the message along. I asked for a resolution timeframe and he could not provide me with any timeframe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with Transunion. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID, and I also have attached the bogus unlawful stall letter that this company has repeatedly sent to me twice with no valid merit in doing so as I have complied with all verification requirements. 

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf. 

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements and this proves that I followed correct protocol.

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 2023-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Westlake Portfolio Management has been harassing an they have placed this on my credit report and XXXX XXXX XXXX u feel did a breach of contract with me an fraud

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 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX, NY in collaboration with XXXX XXXX XXXX XXXX scammed me of XXXX. On XX/XX/2016 I purchased a XXXX XXXX I was told if I could put down a large down payment they could work out a good deal for me ( in which I would make monthly payments and at the end of the payment schedule the vehicle would the paid in full ; also XXXX itself would finance the vehicle. I put down XXXX which was suppose to cover the financing and part payment towards the vehicle. I and my daughter reviewed a contract which documented the above. I was given the buyers copy and other papers pertaining to the purchase in a folder upon leaving the dealership ( approximately ) 2hrs later. I made on time payments to XXXX totaling XXXX at which time I was expecting a clear title. I was then blindsided by XXXX XXXX XXXX XXXX as I was told I owed another XXXX. They told me I signed a contract with what is called a balloon. I and my daughter told them that I did not ; and the reason I gave them XXXX was not to such payment. My compliant was ignored ; the buyer copy given to me does not reflex the contract I agreed to sign. I have also since learned from my current broker the financing company ( under the contract that I didn't agree to sign ) was allowing the dealer to up sale the vehicle by almost XXXX repossessed my vehicle. I felt I had no choice as I was already XXXX in so I ask if I could work out something ; at least I would have something for all the monies I paid and they refused. They repossess my vehicle after I had paid XXXX for a vehicle that was valued at XXXX. Oh, I also since learned the car was suppose to have a window sticker and it didn't therefore I didn't realize even under the contract I agreed to sign I was not getting a good deal. I am a XXXX XXXX XXXX of XXXX yrs. I would have never expect a company like XXXX to rip me off. However I have now I know they are a scammers. XXXX account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation