vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX  Account Number:XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I received a letter from PHH mortgage on XXXX XXXX, XXXX  dated XXXX XXXX, XXXX  ( 10 days later ) stating they required flood insurance on my property and that they PLANNED TO BUY INSURANCE ON THIS PROPERTY AT A COST OF {$2200.00} which would be added to my reverse mortgage debt. I immediately called them and stated that I had an elevation certificate which said my property was in zone XXXX, was verified by XXXX XXXX XXXX, and I did not need flood insurance. The man was beligerent. I am suffering a subdural hematoma from a fall and got very very upset. He told me that the elevation certificate was not acceptable. He told me to call XXXX and get a XXXX XXXX XXXX, fill it out and return it to XXXX. He provided the wrong phone # for XXXX. The letter says I have 45 days to get flood insurance. I am currently XXXX and supposed to be resting at home and not dealing with this kind of stressful, mindless activity which delays my health in overcoming this hematoma. My doctor will verify this. 
I tried calling XXXX several times. The person said she would send me the form via email. She did not. I was sent a security message with the wrong phone # ( for me ) on it and could not change it to the right number to verify myself. So, I am unable to get the XXXX form and also believe PHH mortgage is causing me extreme stress because I do not need flood insurance and they are insisting I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year>, I logged into my Wellsfargo mobile app to check on my mortgage and credit card balance. At the time those were the only two products I had with WellsFargo. I received an advertisement on the app with a {$320.00} checking account bonus offer if I opened an account with Wells Fargo. I opened, funded and completed all of the requirements before the 90 days expired and never received a deposit for my bonus. Wells Fargo representatives said they did not see an offer code applied when I opened the account. On the screen where I opened the account there is a disclosure that reads.. Your bonus offer code will be automatically applied to your Everyday Checking account when you complete your online application from this offer webpage. I requested to escalate the research since this was the only reason I opened an account with Wellsfargo. 
It has been 1 year and 1 month since account opening and requirements met. I have screenshots of when I opened the account and the terms and conditions. Wellsfargo is not honoring them and I believe it is an error on their behalf if a code was not put on the account for the offer. I also have the screenshot with the disclosure stating that it would automatically be applied if I opened the account through my mobile banking app. It is dishonest and misleading for them to do 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 2024-09-17 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: FL

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND DISPUTED A DEBT ACCOUNT ( XXXX Account XXXX ) WITH EXPERIAN RESPONDING : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. EXPERIAN CLAIMS THEY USED A DATA FURNISHER TO VERIFY/VALIDATE THIS INACCURATE DEBT. THE FCRA STATES THAT ONLY ACCURATE DEBTS MAY BE LISTED REPORTED ON CREDIT REPORTS. EXPERIAN IS AND HAS BEEN REPORTING THIS INACCUYRATE DEBT ON MY CREDIT REPORT EVEN THOUGH I HAVE PROVIDED NUMEROUS INACCURACIES IN WHICH THEY CLAIMED HAVE BEEN VALIDATED BUT HAS FAILED TO PROVIDE ME WITH THE INFORMATION ON HOW IT WAS VALIDATED TO INCLUDED NAMES., ADDRESS, CONTACT INFO AND DOCUMENTS.

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 2024-09-17 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: NC

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Bank Information : CHIME BANK Towards the end of XXXX, i had a debit card stolen while out in the city ( XXXX ). I subsequently cancelled the card which ended in numbers XXXX. A new card ending in numbers XXXX was issued, received by me, and activated, on XX/XX/XXXX. 

Due to financial constraints, i opted to not give my new card numbers out to any of the recreational subscriptions my previous card ( XXXX ) was attached to. 

On XX/XX/XXXX at XXXX, i received a notification that my account had been charged by a subscription service for {$14.00}. I immediately checked the subscription in question, and verified that i had not attached any new banking information, and retrieved the invoice showing that card " XXXX '' had been charged. Upon looking in by bank account transaction history, it shows the same transaction, but approved under XXXX " XXXX ''. 

I never authorized this transaction on this card, nor did i authorize these numbers to be disseminated to ANYONE by any third party. 

Upon trying to open a dispute against this charge, it quickly became apparent that CHIME has created a process through which questions that have no clear answer are asked, or are irrelevant to the report of fraud, which causes the process to break down leaving no room or medium to argue against the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
This was originally disputed XX/XX/XXXX, then again in XX/XX/XXXX. I have now reached out to XXXX and Experian once again, today XX/XX/XXXX, and they are wanting me to start the process all over again. 

Experian refuses to update my credit report stating that the account in question is still being reported as Open. I have submitted to them, a letter from XXXX XXXX, which contains the statement " The Card is no longer active and is no longer associated with the primary Card Members account. '' I would like to note that this is an authorized user account, with my wife who WAS the primary account holder - she has since more than a year ago closed the primary account so there is absolutely no way this authorized user account could be considered active. 

Neither Experian or XXXX will communicate directly with one another to resolve this issue, leaving me to go around and around with the same information from both sides, neither making any actual attempt to correct the report and resolve this issue. 

The resolution I expect is that Experian updates their reporting to state, correctly, that the account in question is closed. I expect Experian and XXXX to work together to accomplish this resolution, as I, the Customer, should not be stuck in limbo in this way with false information being provided to potential creditors.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please take this complaint seriously as this has been immensely frustrating. This is really stressing me out, It's been such a long time that I am trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these 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 non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase from XXXX for {$630.00}, and the seller sent a defective item ( shoes that had major damage not shown in the listing ), and XXXX refused to honor their money back guarantee, so I filed a dispute with my synchrony bank PayPal Mastercard, and XXXX claimed I had not completed the return, despite having denied the return.

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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/year> - i noticed a charge on my apple credit card by XXXX XXXX for {$340.00}, this charge was not made by me as i have not been affiliate with XXXX XXXX. 

XX/XX/year> - i tried to call apple about this charge, i was told to contact the merchant directly to ask about the charge. i called the number shown on the charge and it happen to be the area code of XXXX ( XXXX ) so i couldn't understand anything that was said. 

XX/XX/year> - i reached out to apple card specialist to dispute the charge, i was told i am not responsible for any charge that was not made by me so they credited back the amount while they investigate the dispute. 

XX/XX/year> - my dispute of this charge {$340.00} from XXXX XXXX was reversed so i contact apple again and i was told that apple 's investigation found that no billing error occurred and the charge will remains. 

After that i tried to reopen the dispute again for about 3 times and every time apple has always denied my disputed, they still need me to be responsible for the charge that i did not made. 

XX/XX/year> - i tried to dispute again and i request additional information as to why my dispute had been unsuccessful. 
i got the answer from apple specialist said that " the merchant ( XXXX XXXX ) has provided account information and transaction details. the decision may not change '' So i asked them to provide those details from the merchant so i got this evidence in case i need to take legal actions, Apple specialist said that i will receive the evidence to why my dispute has been denied within 10 business days i still have not receive this evidence as of today XX/XX/year>, the charge still remains on my account i have no idea what to do at this point, i felt that it's not right for me to pay for a scammer that might have use my card number without my consent

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
The ferderal student loans reporting on my credit reflect an incorrect date opened of XXXX. These loans were opened in XXXX and were paid off and closed. Then somehow reopened in XXXX. I have tried resolving this with the department of education with no luck. These loans are being falsely reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have settled this account in full and have not been provided a title from Regional Acceptance Corporation despite several attempts to make contact

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 2024-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Car dealership went bankrupt and closed all businesses in XX/XX/year> and filed for bankruptcy late XX/XX/year>. I late found out that Westlake Portfolio Management claimed to have taken over U.S. Auto Sales contracts and I owe them now. I request a copy of my contract. They sent over something else that wasnt my contract. It didnt have my signature or the right amount owed. They started my car loan over and all. I been trying to get Westlake off my credit, I tried trading the car in so It wouldnt hurt my credit but now Im stuck with a car and debt that is not owed by me.

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 2024-09-17 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: OH

Complaint narrative:
These are not mine. 

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 2024-09-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B

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 2024-09-17 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: NC

Complaint narrative:
I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I am contacting the financing company, Good Leap, to resolve the issues I have with XXXX XXXX since the later filed for bankruptcy. The solar panel has damages, and it is not functioning as it should be, and we have no one to contact but still consistently paying for the service/equipment. We have been waiting for a resolution for XXXX  months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX claims to be collecting on an account for XXXX XXXX XXXX As of XX/XX/year>, Transunion has allowed this company to report information that has never been verified. XXXX XXXX XXXX has never attempted to validate this debt despite numerous requests on my part. I have no idea what this supposed debt is, and it does not appear on any other reports from other major credit reporting agencies. Transunion is the only agency allowing this to affect my credit worthiness.

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