vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
My debit card number was hacked and over {$600.00} ( {$610.00} ) was stolen from my checking account. The debit card number was skimmed and used to charge XXXX separate charges at XXXX different XXXX locations simultaneously. I filed a dispute the following morning as instructed from the Fraud detection department and Old National Bank has denied reimbursement of the stolen funds.

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 2023-09-29 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: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
The following inquiries are fraudulent and are not authorized by me. 

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 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 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 2023-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest re-opened a closed account without my consent. This account was XXXX  as " Paid in Full '' and account closed on XX/XX/2023. This was confirmed by multiple agents contacted on XX/XX/2023 and XX/XX/2023 as well as confirmed was the title release date. At this time of confirmation i sold vehicle going based on confirmation of agents on XX/XX/2023 though XX/XX/2023. i was contacted via phone by Specialist XXXX  on XX/XX/2023 after i withdrawn CFPB complaint, she stated she was contacting me regarding the complaints and attempted to discuss account situation but call was dropped. In an attempt to see what agent was referring to i was unable to reach her again. As of XX/XX/2023 i noticed that account was re-opened and this is done without my consent nor have i been contacted regarding any re-opening of a XXXX  account. I have provided all documents ( Notice of vehicle sold, Title release request, agent ( s ) confirmation of account status " Paid in Full and closed '', Invoice for payments in accord and satisfaction of said loan, and Promissory estoppel Notice ) all supplied to Bridgecrest via fax and registered/certified mail prior to re-opening of closed account.

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 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo repossessed our car without notice and did not give us the option to pay the due balance and get the car back. The car was actually also burglarized during its repossession with bunches of stuff stolen out of it without any remorse from Wells Fargo that being a sidenote, the reason I'm contacting is because we have not received any settlement pertaining to this event, even though Wells Fargo has been sued and lost the class actual lawsuit in the report that y'all have on your website, it says that I should make a claim if we still have yet to receive a payment so here I am making a new claim I see that y'all have a civil penalty fund formed and I'm trying to touch base with y'all about this. 
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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-29 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: LCI Acquisition Inc.
State: TN

Complaint narrative:
I submitted a dispute with XXXX concerning a public record ( XXXX XXXX XXXX XXXX, TN : # XXXX ) thats being reported in error, incorrectly, invalidated, and not properly verified. I requested that this information be deleted from my consumer report. XXXX responded stating that this item was verified by the " XXXX '' ( XXXX XXXX XXXX XXXXXXXX, TN ) reporting that the information being furnished had been verified and certified by the " company '' to be accurate. This is false and also untruthful information being reported. I spoke with the courts of The XXXXXXXX XXXX XXXXXXXX of XXXX, Tennessee directly and verified to me that they do not and has not verify or furnish any court proceeding nor filing ( s ), discharges, or dismissal ( s ) to any of the major national credit bureaus ( XXXX, XXXX, XXXX ). Meaning that XXXX either lied on The United States Bankruptcy Courts or lied about verifying this information being reported. Either way this is a violation of state and federal laws including FCRA laws such as 15 U.S. Code 1681i ( 5 ) and several more. In a previous dispute with XXXX about the same issue. XXXX responded stating that they verified the information to be accurate through a third party company LCI Consumer Center but not the original creditor. In fact XXXX is not a third party company, it is a XXXX company and partner which is not properly verifying this public record. This invalidated information is be verified from XXXX. I have filed disputes with XXXX and XXXX to delete/remove this information and both companies has yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
I have asked numerous times when they call to remove my # and NOT call me again. I have no business with this company now or never

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have a checking account with Chime my son has XXXX funds coming from SSI on the first of the month Im always receiving his funding like the XXXX of the month from Chime this past month I didnt receive his funds. I reach out to SSI office to make use that it was deposited in the correct account the office told me Yes. Once again I reach out to Chime of course they dont have anyone to speak it is always a computer operator Im very upset because my son needs his money for his needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NY

Complaint narrative:
I never open any accounts i have been XXXX  for some time XXXX XXXX XXXX Account number XXXX XXXX XXXX Account. Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never open any accounts i have been XXXX for some time XXXX XXXX XXXX Account number XXXX XXXX XXXX Account. Number 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 2023-09-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX Received a letter from XXXX XXXX XXXX XXXX that I have not activated the card they sent me. They sent the letter to my current address in XXXX XXXX. Informed Money Network that XXXX card was never received. They informed me it was sent to my old address XXXX. I informed them of my new address DB and already confirmed with XXXX XXXX XXXX my new address was on file since XXXX. They confirmed this was true and Money Network has the wrong address ( old ) XX/XX/XXXX Fraud occurred hacker compromised the XXXX money network card that has {$700.00} on it. They spent at various places, then tried to transfer balance to their own bank. This transaction was flagged and they failed to do a bank transfer. Money network had the opportunity to close all cards sent to old address but did not and fraud occurred XX/XX/XXXX Money network informed me they need to verify my identity and new address. So I submitted documents. XX/XX/XXXX they said they received all documents and they were approved. In their notes they mentioned they agreed to send me a check, but would need to go through all fraud transactions. 

They are now making me wait another XXXX days when this is clearly their fault. I already told them early on I havent lived in XXXX since XXXX. They didnt do anything, and fraud occurred and my {$700.00} XXXX money network card was stolen and compromised

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
XX/XX/XXXX approximately I called Midland credit to resolve the issue and he acknowledged I had a dispute from XXXX already in place and said he would send me paperwork and it's been over two weeks still no paperwork and my credit still is in limbo please can you help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
XX/XX/XXXX we finally got the assumption packet from Carrington after having to call and do escalation requests. Since the buy completed all documentation requested by Carrington so they could assume our loan. They company refuses to give us a stats and merely sends an email that's says, " packed submitted to underwriting, it typically takes 5-7 days '' the buyer will be notified. However the package was submitted on XXXX XX/XX/2023 and we still have not been given an update. We only receive the same 5-7 day timeline which they have already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To Whom It XXXX Concern, I am writing to dispute the charge-off entry listed on my credit report. The basis for this dispute arises from the fact that I have not received a XXXX XXXX ( Cancellation of Debt ) as required by federal tax law. 

According to the Internal Revenue Service ( IRS ) regulations, a creditor is obligated to issue a Form XXXX to the debtor following the cancellation of a debt exceeding {$600.00}, as per Section XXXX of the Internal Revenue Code. This form serves as a critical document for tax reporting purposes. 

Details of the disputed item : Creditors Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : Best Buy/ CBNA XXXXt Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXXXXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX Account XXXX Date of Charge-Off : XX/XX/XXXX To comply with both IRS regulations and my rights as a consumer, I kindly request the following actions : 1 . Investigate the presence of a Form XXXX issued by the Creditor for the debt in question. 
2. Verify whether the charge-off entry on my credit report was indeed accompanied by the issuance of Form XXXX. 
3. Confirm whether the issuance of the Form XXXX was executed in accordance with the IRS regulations XXXX as required by law. 

I am determined to ensure the accuracy and completeness of my credit report, as well as to fulfill my legal obligations regarding any tax implications arising from the cancellation of debt. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ), I request the prompt removal of the charge-off entry from my credit report should it be determined that the issuance of Form XXXX was not compliant with the IRS regulations. 

Furthermore, I reserve my rights under both the FCRA and the IRS regulations to address any discrepancies or violations in accordance with applicable laws. 

I trust that you will handle this dispute diligently and in strict adherence to the law. Please provide written verification of the results of your investigation within the prescribed timeframe as stipulated by FCRA Section 611 ( a ) ( 8 ). 

Sincerely,

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am refiling and resending this complaint again to EQUIFAX because it seems that they are NOT doing their job and they are so irresponsible with the documents that I sent out to them, when I called them last XX/XX/XXXX XXXX with the confirmation number XXXX they said that they received my FTC report, cover letter and IDs for the dispute that I have requested to them and they will be disputing the unauthorized inquiries that are in my credit report. I called again last XX/XX/2023 and then they said that the unauthorized inquiries were removed in my credit report but when i generated my credit report I still see these unauthorized inquiries in my credit report. I called back again XX/XX/2023 with confirmation number XXXX this time they told me that these unauthorized inquiries are still in my credit report and they did not receive my FTC report. 

Please I need your help on this matter to address this concern to the bureau. 

I have attached the copy of the FTC report I filed with the report number XXXX since according to EQUIFAX I need to resend this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-29 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief