vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 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: CA

Complaint narrative:
Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX  : After completing three home equity loans applications with NFCU, I have come to the conclusion I am not being treated fairly and this apparent discrimination seemed apparent after the second application was filed. The first was with my husband, who has a previous bankruptcy on his report. I do not. My husband also has a HELOC, I do not. I was told about this and that I should complete another application without him, which I did. My credit was approved, but I was told UW denied my application based on items that are in my husband 's file and then made invalid comments that my file with other institutions was not satisfactory. Upon hearing this I requested a re-consideration and later completed yet another application. I was told by the loan processor they could not get my credit report and could not move forward with the loan. This is ironic since the prior two applications did not have this problem. Additonally, I never heard from the person and supervisor I sent the reconsideration to. 
Prior complaint : This is the second complaint that I've filed against NFCU. The first dealt with a negative remark on my credit report although there are no late or missing payments. Yet NFCU placed a comment that reads " derogatory '', but only on a third party credit reporting agency and not the three main credit report agencies. The response to CFPB is that they will not remove correct data, however, THEY DID REMOVE THAT COMMENT THAT READ DEROGATORY,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid off my credit on XXXX XXXX That I haven't use in 3months during the billing cycle. 
If I paid the card off which only had XXXX XXXX the on the cycle begin. 
So Capital One charge interest on a XXXX balance of {$6.00} This must be remove .. And I also close this Account because I don't this card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: MS

Complaint narrative:
I want these inquiries deleted. I did not authorize these companies to run my credit. I have uploaded/attached my FTC report below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My truck was impounded multiple times ( at least 7 ) due to overdraft fees and payments not being processed. I had to pay gate fees, late fees, I was almost evicted from my house one time from having to utilize all my funds just to get the truck back to get to work and back to pay the rest of my bills. This was in the year between XXXX i ended up losing my job for not being able to get to work on time multiple times due to WF errors. It was my XXXX XXXX XXXX. Please look into 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 monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX was removed from XXXX XXXX and Experian keeps reporting this account to my credit profile.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account XXXX XXXX XXXX is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account XXXX XXXX XXXX is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account XXXX XXXX XXXXXXXX is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up 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 2023-12-13 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: WA

Complaint narrative:
I have requested for my addresses and employment to be updated on my credit reports. This has not happened and is impacting me from getting a home loan

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BUSEY BANK
State: IL

Complaint narrative:
They won't let me have any of MY money. 2 weeks trying to withdrawal some of MY money from BUSEY BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: American Coradius International LLC
State: CA

Complaint narrative:
Im being charged from a collection agency American Coradius International XXXX for a XXXX charge that isnt even on my XXXX account. I tried to dispute and theyre requesting a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX, I went to an event to help get a loan modification from ASC/Wells Fargo XXXX The loan counselor stated my chances for a modification looked excellent since I was actually getting paid more money and had a more stable job. The modification failed and she wasn't sure why. This resulted in me going into foreclosure and I had to do a short sale. I just received a check from Wells Fargo for {XXXX} however, since my lack of modification with out any reason why resulted in a foreclosure/short sale I have seen information that others with this result have gotten paid out over $ XXXX. I wanted to inquire as to what the {$200.00} is for. The statement with the check only states that when the loan was being considered for loan assistance options, there may have been an error. It doesn't actually say what the payout was for. I believe my payout should have been more than {$200.00} since it resulted in foreclosure, selling my home and finding a place to rent. My salary has only increased since applying for a modification which I would have been able to pay the mortgage, have a better credit standing and selling my home if I so desired at a much higher value. By proceeding the only way to cover less loses, I suffered financially and emotionally.

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 2023-12-13 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I called today XX/XX/2023 to report fraud on my account, after the call was verified was trasnfer to another department and the teller " XXXX '' denied me the right to report fraud on my account saying that first I need to send my passport and XXXX utility bill. 
Im not going to send any personal information through the fax. 
So first I need to claim agains the bank due denying my right to report fraudulent activity on my account violating the national law about this that allows me to report this triugh the phone, on person or by letter. 
Second need to open the claim agains the transactions made in XX/XX/XXXX and XX/XX/XXXX. 
I received a notification ( email ) on XX/XX/XXXX " suspicious activity '', so i press NOT AUTHORIZED. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorized those transactions, I noticed that my car was lost when I get the email alert.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of check fraud for {$24000.00}. Citibank ordered me to file a dispute, to which they responded more than 30 days later ordering me to then open a check fraud claim. I did this the same day and my case was closed because they said I did not file the check fraud claim within 30 days.

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 2023-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts rae DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity : Inaccurate Address : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : theft. 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Start form XXXX XXXX to XXXX, I had wire to Coinbase account in City Of XXXX XXXX, XXXX  XXXX. To invest in XXXX. With total of {$120000.00} I used the XXXX XXXX  to wired {$120000.00} to Coinbase , Inc. After I wired them in to the Coinbase account and I have to transfer it to Coinbase wallet, from here the scammer withdrawal my fund. The scammer who is locate in the Coinbase wallet, keep directed me around with all these fault information, After I want to withdrawal my fund. They asked the pay for capital gain tax too. I was confused, because this amount is all my principle, I don't make profit yet. They keep push the send more money in. I have to put my business for loan, my house, my credit all in it. Finally, I can not withdrawal my fund either. After that they shup off the website. 
At that same time XXXX XXXX  sold the business to XXXX XXXX  taken over. 
The Scammer also asked me to use other bank account to wired the fund in to. With their direction, I was open other account with XXXX XXXX, and wire in ton them with total amount is {$20000.00}. 
The total is {$140000.00} to Coinbase , Inc . The Coinbase wallet let the scammer taken all my fund. 
I contact these banks to inquiry to return all my wired, they keep came back " Nothing they couldn't do to return my wired. The beneficiary bank wouldn't reply and said that these are closed. '' I were thinking without the XXXX XXXX, XXXX XXXX  and Coinbase , Inc . I should all my life saving fund. The situation I am in now financial hardship. 
I do believe in the bank system and Coinbase , Inc to protect their customers ( me, ). 
They do have the licenses to operation the business and should protect their customer NOT PROTECT the scammer. 

I request the Banks And Coinbase, Inc solve the situation for me as soon as possible. 
These Banks and Coinbase , Inc should knew where the scammer are. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to lodge a formal complaint against the three major credit reporting agencies EXPERIAN, XXXX, and XXXX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. 

I sent this request on the following dates : 1. Experian on XX/XX/2023 2. XXXX on XX/XX/2023 3. XXXX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, EXPERIAN, XXXX, and XXXX have not updated my report to reflect my true and correct name. My credit report should only list one name and one address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by EXPERIAN, XXXX, and XXXX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
On XX/XX/2023 American Credit Acceptance reported a hard inquiry with all XXXX credit bureaus. XXXX, XXXX and XXXX without my consent. I advised them to provide me an agreement between I and them to run my credit and they fail to provide that. I need this inquiry removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation