vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-14 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureau is reporting inaccurate information on SYNCB/VALUEC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CT

Complaint narrative:
In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. 

In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with WELLS FARGO AUTO on XX/XX/2021. Not only did the company give me false and deceptive forms, they failed to assure a meaningful disclosure of credit terms. According to the congressional findings of 15 USC 1601, I, the consumer/natural person, am protected against inaccurate and unfair credit billing and credit card practices. Congress also found that there has been a recent trend toward leasing automobiles for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. My contract does not say anything about my right to rescind. On XX/XX/2021, I mailed WELLS FARGO AUTO an Affidavit of Truth, Cease and Desist, and my right of rescission paperwork. By law, the company has 20 days to respond. Today makes the 20th day because they received my certified mail on XX/XX/2021 at XXXX XXXX A gentleman by the name of XXXX called but I had contracted COVID and didnt feel too good when he called. I havent heard from them since. Whenever I try to call them back, a representative says someone will call me back. I just want what is lawfully owed to me. I have security interest that secured ALL obligations, meaning the car was paid for when I signed for it. The Truth in Lending Act informed me of all of this fraudulent activity.

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 2021-09-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX- XXXX of XXXX I filed a dispute with Experian credit bureau about the XXXX XXXX -- Account number XXXX. months I have not received a notice in over 45 days and my report shows that this account is still in dispute. This unverified account was removed from XXXX in XXXX of XXXX  and still remains in dispute on Experian. I am aware that this 30 non response is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2021-09-14 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
Im using chime the Internet bank and have had no problems for almost 2 years that Ive been using it. I changed states at my job and became employee versus a contract with but with the same employer so no change in the information provided to time and information coming from my employer. Recently they change their gas authentication verification engine from plaid to atom and now my direct deposit which was issued on XX/XX/XXXX and usually shows up to days early so I would have shown up on XX/XX/XXXX has not shown up yet and its now almost a week later. Every time I call I get the runaround It is still processing and we cant tell you anything about it. And they also its allude to the fact that I need to verify information on my side which Ive done and there has been no change on my side or with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MoneyLion Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MONEYLION INC. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off, collections, and late payments were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is listing 13 hard inquires on my credit report illegally. Be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2021-09-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 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 are the inquiries that are still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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/XXXX Ive reached out to Trans Union about a dispute against an item on my credit report from XXXX consumer. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX consumer in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from Discount Auto . This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for TransUnion not doing their jobs properly.

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 2021-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would like to start off by saying my original financing of my home with Wells Fargo was seamless. It was only when they offered to refinance at a lower interest amount did things become so complex. I began my refinancing nightmare on XXXX XXXX I am still in the process as of XX/XX/2021. I have too many emails back and forth to count. To sum it up Wells Fargo has taken every angle to try and prolong this experience examples include hiring the wrong appraiser and then trying to get me to pay for it and then spending over a week investigating if I should pay for them picking the wrong appraiser. The next is getting me to submit information multiple times and then just to turn around and say it will not work. I would not wish this experience on my worst enemy, at this point I believe Wells Fargo does not want to refinance for the lower rate and this is their attempt to bully me into submission.

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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX I entered a settlement agreement with Navy Federal Credit Union to settle and a credit card debt that I owed in the mount of XXXX to settle a charged off credit card account. I recently applied to have a checking account opened with them and was denied due to a loss of roughly XXXX that Navy Federal took due to the settlement that they agreed upon. It was explained that I could pay the XXXX even though the account has paid and settled upon which is reflected in my credit reports. I am currently blocked from all products and services due to the XXXX loss, which was not explained to me at the time. I asked for my blockage to be sent to me in writing or if their by-laws state that this is correct and they could not because they have no literature that states that you will be blocked from future products and services if you settle an account with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one amount of XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have online account with Experian. Who has been having problems login into my Experian account. Who recently requested a change of password. Who granted me the change of password. Who than tried login into my account twice. Who was unsuccessful login into my account. I personally believe I am being ignored by Experian in allowing me to login and preventing from removing negatives items from my credit report. Which are payments scams of fraud. I also provide them documents. that support my dispute. President Joe Biden said consumers rights to file complaints of being discriminated against.

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