vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 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: VA

Complaint narrative:
I received a copy of my consumer report recently after being denied an extension of credit due to reported late payments. Consumer reporting agencies have a duty under federal lawto report consumer information as accurately as possible. The items in this dispute have different information reporting across all bureaus which is a violation and not reporting 100 % accurate as required by law. I have never been late on payments for the account listed in this dispute. By law they must produce proof with statements proving that these payments were late as required. If they do not provide sufficient proof then this constitutes noncompliance and is a violation under 15 US Code 1681i ( e ).

I sent my initial letter to the credit reporting agency on XX/XX/2023 informing them that there was inaccurate information and that they had 30 days to do investigate per the FCRA and failed to investigate in the allowed time frame. I sent a demand to comply letter XX/XX/2023 informing the credit reporting agency that they failed to follow procedure and that I never received investigation results and they still refuse to investigate and send me results. 
More than 60 days had passed so I drafted an affidavit of facts on XX/XX/2023 outlining all the violations they committed and sent to the CRA along with a CFPB complaint. The company responded via the CFBP complaint portal that they have 60 days to respond. It has been more than 90 days since my initial notice which is more then allowed under the FCRA. I am demanding the items in this dispute be removal immediately and my affidavit is rebutted as required under law now!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I checked my credit report and I noticed there were inquiries listed that I did not recognize. I contacted the companies, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit. Below are the inquiries in question. 

XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/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 2023-08-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have filed a couple of disputes with Experian that come back with the statement " verified as correct '', but those same disputes have agreed with me, and been deleted from my report. One of the disputes is 12 years old but because a new collector picked it up, it was deemed " verified as accurate ''. I provided proof that I was on XXXX at the time and was not even supposed to get a bill.

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 2023-08-18 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: NC

Complaint narrative:
I called Transunion and spoke with XXXX, the call code is XXXX. I informed XXXX that I did not authorize and have no knowledge of two inquires that are currently being inaccurately reported. Neither inquiries from XXXX XXXX XXXX  or XXXX XXXX XXXX were authorized by me. XXXX informed me that she would flag the inquiries but would not remove them unless a police report is filed. I do not have enough information to file a police report because I do not know who committed the fraud. I do know that Transunion is obligated to follow FCRA regulations when reporting my information and they are currently in violation of multiple FCRA regulations. They are reporting inaccurate information. They have been notified by myself that the information is inaccurate as of XXXX XX/XX/23. When given the opportunity to correct the information they refused multiple requests and continue to illegally report the errors.

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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, my Chime ( XXXX ) checking account was hacked into and the funds in the account withdrawn without my authorization. When I realized what had happened I immediately called Chime and informed them of this unauthorized access and removal of funds and I also changed the password to my account. The person who accessed the account conducted two transactions which were unauthorized, one in the sum of {$250.00} and another in the sum of {$350.00}. After I changed my password and Chime had reimbursed me the lesser amount, they also went ahead to remove another amount in the sum of {$99.00} those from the account without my permission but Chime reimbursed me this amount as well. 

The problem is that although both unauthorized charges took place on the same day & within minutes of each other, Chime only decided to reimburse me the smaller amount and refused to reimburse the larger amount. I sent multiple emails and spoke to multiple company reps all to no avail as they declined my repeated requests to reimburse me the entirety of what was illegally removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a bank account at Suntrust, now Truist Bank, which was closed and the funds frozen, where at the time the account was frozen it had a balance of at least {$79000.00}. Said account was closed by unilateral decision of the Bank on XX/XX/XXXX and I was notified by communication of that date indicating that the Fraud Department in a standard review determined that it was necessary to close the account, they do not indicate the cause, reason or circumstance for your decision to close the account. At the time of closing the account, the balance was {$79000.00}, an amount that after more than 23 months has not been delivered or returned. I have had several discussions with your Fraud and Customer Service Departments, in an attempt to access the funds, all of which were unsuccessful. With the little information that they have provided me, I can not find a legal basis that allows the Bank to freeze the funds improperly and indefinitely without even giving a formal explanation. I have consulted with an Attorney who has told me that withholding and not accessing funds may constitute civil theft, misappropriation, unjust enrichment and unfair trade practices, and violations of other state and federal laws. The Truist Bank has not given a response, they only sent me a letter that I received on XX/XX/XXXX, saying that they had not been able to contact me and they gave a phone number for me to call. Yesterday, XX/XX/XXXX, I called Truist Bank and they asked me to go to a Branch to personally identify myself and from there they would call the Claims Department. This isn't the first time I've been asked to do this. I have already gone to a Branch to identify myself, they call the Claims Department and they have not given an answer to the problem, that is, they do not return the money or tell me why they withhold it improperly.

I filed a previous complaint with CFPB and the complaint was closed only because Truist Bank said they had responded to me, which is not true. What I don't understand is why the CFPB closes this claim, when Truist Bank has not responded to the complaint presented here. Truist Bank is not telling the truth when notifying the CFPB that it has already responded to my claim.

Truist Bank has not given an answer, that is, it does not agree to return the money nor does it tell me why it has been improperly withheld so that I can take any legal action that allows me to recover my 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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a claim with Chase/Visa via their contractor XXXX and their insurance providor, XXXX, XXXX XX/XX/2022. My luggage and its contents were destroyed in travel and, since I booked the travel with my Chase/Visa credit card, my lugagge was insured with them. Dealing with Chase via XXXX and XXXX has been impossible and I have been unable to secure reimbursement for my destroyed luggage. Despite providing tons of evidence including communications with the airline, picture evidence of the destruction, extensive receipts, e-mail communications and more, XXXX has made no progress on my claim. It has now been a year since I submitted my original claim and XXXX continues to avoid helping me. They promise that insurance examiners from XXXX will contact me, but XXXX has not reached out to me once. I am repeatedly disconnected from their phone lines and ignored over e-mail. They are unable to provide names of their employees, supervisors, phone numbers, e-mail addresses, or information about their internal business structure. These are hallmark signs of a scam. XXXX 's business practices are intentionally opaque and difficult to navigate such that customers are unable to seek recourse and process their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. 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 has violated my rights. 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 non-monetary relief
Consumer complaint received 2023-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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. 


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, has violated my rights. 

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 non-monetary relief
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: SC

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. 


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, has violated my rights. 

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 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was having some financial difficulties paying my auto loan. I fell XXXX payments behind. Wells Fargo sent me a notice regarding repossession of the vehicle if I did not make the XXXX payments. I made a call to make an arrangement to bring the account current in the amount of XXXX. I was advised on the call that I had late fees as well in the amount of XXXX which totaled out to XXXX. I requested for the past due payment of XXXX to process on XX/XX/2023. After going over the detail with my family I decided to call back on XX/XX/XXXX cancel the XXXX pending payments for the XXXX. 

I requested a XXXX month deferment on a different call on XX/XX/2023 and was granted the deferment by the banker. I was under the impression from the prior calls that the previous payments were cancelled. As on the call I tried to set up another payment with him and he said I had a payment in the amount of XXXX already set up. Which I was confused because prior I asked for them to be removed. However I advised we could still keep the payment of XXXX, I placed that amount in my bank and when it was time for the payment to come out they drafted XXXX instead which caused my account to go into the negative and accrue fees etc. 

Now when I call wells Fargo on XXXX separate occasions their rude staff did not provide me details and said they would review the call and get back to me. Now I receive this contradictory letter that was poorly typed which basically says I called, I cancelled, I was approved for a deferment, and that on the last call which should have been the only and final agreement that the banker told me there was a check set up for XXXX and he never mentioned the XXXX and when I checked my wells Fargo auto account it said the exact same. 

I am sick and tired of how these financial institutions take advantage of consumers when they are having difficulties this is not right.

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 2023-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-08-18 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 have been contacting this company for what is going on two months now. I have provided everything requested for my report of Identity Theft/fraud to the first rep XXXX. I have emails as proof and have also called several times. My last complaint was closed by a XXXX XXXX, as she stated she never received these items from anyone. I emailed XXXX on XX/XX/XXXX in regard to this - forwarding her my emails to XXXX. It is now 2 days later, and I have had heard nothing back from anyone. 

The only contact this company sends is payment due - it has already hit my credit report negatively and I was forced to make a payment of {$650.00} in order to keep that from happening again. I am refiling this again, as this needs to be rectified ASAP.

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 2023-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
I am writing because XXXX XXXX has foreclosed on my home using what I believe are fraudulent documentation.

They submitted a Deed of Trust that is not even recorded in the county, it does not bare my signature. Once I pointed that out to the court they then went to the county and submitted my deed of trust that is recorded in the county. Please see their motion attached. They also are a debt collector claiming to be the secured party and foreclosed on a debt they claim is twelve years old. They foreclosed on a debt they claim defaulted in XXXX, which exceeded the statute of limitation. Even if they were the secured party ( which I believe they are not ) they are trained and should be familiar with the statue of limitation as they are registered debt collectors. This is why I believe they have committed theft over {$300000.00}.

Just because a foreclosure has taken place does not mean it's a legal foreclosure and that no crime has been committed.

Company response to consumer: Closed with explanation