vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-07 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have a tenant who was trying to pay rent and wanted to pay using Chime. I opened an account and accepted payment for {$1000.00}. I tried to initiate a transfer of those funds to my bank account which I linked to my Chime account, but they stated that I was not allowed to withdraw the funds until I activated the debit card that they would send in 7 days. One day later, I got an email from Chime stating that my account was found to have been in violation of their user agreement and the account was closed effective immediately and not eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting 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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
On XX/XX/year>, I submitted an application for a refinance mortgage with Carrington Mortgage. I spoke to an individual that said that my credit score was XXXX. I asked to see my credit score which he would not provide. Carrington Mortgage advertises that they accept credit scores as low as XXXX. Also, I inquired about rapid rescore when he told me that my credit score was too low. It was only then when he disclosed this option and sent an email appearing to use a tool provided by credit expert, to assist potential borrowers in increasing their credit score. In providing the steps that he claimed should be pursued could actually in fact lower my credit score, pushing me further from getting approved. My complaint is that this individual discriminated against me, a XXXX XXXXXXXX XXXX, by not readily providing information that could help me qualify for a loan. Further, the fact that a score of XXXX and the lender advertises that scores can be as low as XXXX, but refuses to provide and encourage, but uses company resources to in fact discourage the approval of an otherwise obtainable loan. I further indicated that I currently have a mortgage loan on my property that I would be paying off, which is not showing on my credit report but could be easily verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Why this account is still reporting in my account? I send dispute letters last month and never recieved any response for the bureaus. Please delete this account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, 2019 Balance : {$200.00}

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 2024-05-07 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: TX

Complaint narrative:
My student loans have been paid in full but the bureaus refuse to update this information after multiple requests and countless evidence.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My student loans have been paid in full but the bureaus refuse to update this information after multiple requests and countless evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
i have sent in numerous letters asking for these items to be removed off my credit report due to reporting violations FCRA VIOLATIONS FDCPA VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Checks were deposited to the business checking account XX/XX/XXXX. {$12000.00} approx. 
Had been depositing check for the past two years with no issue or concerns from Wells Fargo. In XXXX the checks were deposited and nothing was addressed at that time. On XX/XX/XXXX the bank decided to hold the funds after they were cleared and close the account. The funds held were {$8800.00} and they sent me a check for XXXX cents. 
I have made calls to Wells Fargo, Operation, Fraud prevention, Executive office and Complain department to Wells Fargo for the past 2 year in an attempt to recover my money. 
To date this has not been resolved and no funds are being credit back to me. 
Calls made and letters sent. XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They keep wanting to have all endorsers 8 of the individuals to come to the bank with their ID in order to release the funds. These were temporary workers and no longer are with the company or in this county. 
The payee were identified at the time of cashing the checks. My company provided the service to cash the checks and am the guaranteed endorser on the back. The checks have been paid and cleared based on the federal reservice clearing date. It has been 2 years and the funds are still being held by Wells Fargo. The request is to release the funds and apply it to my line of Credit with the bank immediately to relieve the financial stress this has caused. Please assist in getting this resolved.

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 2024-05-07 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: TN

Complaint narrative:
XXXX XXXX XXXX is reporting an account ( Auto Loan ) to the credit bureaus ( XXXX, Transunion and XXXX ) in which is a fraudulent account. The reported balance is XXXX. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXX is reporting an Auto Loan in the amount of XXXX ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

XXXX XXXX XXXX is reporting a collection in the amount of {$600.00}. ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report. 

XXXX XXXX XXXX is reporting a collection account the amount of {$1200.00} ( XXXX, Transunion and XXXX ) in which is a fraudulent account. This account should be removed from my credit report.. 

Credit was fraudulently applied for and The following hard inquiries are on my Transunion Credit Report. 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 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting an account ( Auto Loan ) to the credit bureaus ( XXXX, XXXX and Experian ) in which is a fraudulent account. The reported balance is XXXX. This account should be removed from my credit report. 

XXXX XXXX XXXX XXXX is reporting an Auto Loan in the amount of XXXX ( XXXX, XXXX and Experian ) in which is a fraudulent account. This account should be removed from my credit report.. 

XXXX XXXX XXXX is reporting a collection in the amount of {$600.00}. ( XXXX, XXXX and Experian ) in which is a fraudulent account. This account should be removed from my credit report. 

XXXX XXXX XXXX is reporting a collection account the amount of {$1200.00} ( XXXX, XXXX and Experian ) in which is a fraudulent account. This account should be removed from my credit report.. 

Credit was fraudulently applied for and The following hard inquiries are on my XXXX Credit Report. XXXX ) XXXX XXXX XXXX XX/XX/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 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 2024-05-07 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: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
account not mine i didnt open account .  XX/XX/XXXX XXXX original creditor debt collection agency is Caine & Weiner .. On XX/XX/XXXXXXXX XXXX XXXX Iam XXXX years old i dont even watch cable account not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit 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 2024-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
I got a balance notice on my bank account that I only had $ XXXX in my account, So I got a quick loan from Lendumo This company Ive done business with several times, but this time I paid loan off it only took a payment and not full amount so contacted online chat. She explained they are updating system sorry after all the help she could give she then said I needed to call customer service? So called spoke to XXXX he explained again how they are updating systems and are experiencing trouble, he could help after all the explaining and fixing XXXX apologized and said the updated payment was changed. I still have email, the following morning I check and its still not showing fixed or withdrawn from my bank account the full payment, so online chat with XXXX explained again the trouble after all this she did just like before and said I needed to call customer service. Called in spoke with XXXX who was very sorry for my inconvenience and will help after listening to all Ive said he then let me know it was never handled and they do not except Debit Cards to be used to payoff loans cause it keeps good customers from being able to borrow again. Debit cards make the customer have to wait to reloan, the two customer service representatives I spoke to XXXX explained should have shared this with me, But XXXX at first said it was never fixed and I needed to payoff I then read the email from previous day from XXXX and XXXX was very overly helpful prolonging my dealing with this problem and had me on hold, when taken off hold XXXX was asking how my day was if Im in a great mood if life is treating me wonderful. I was very up beat and never shown I was upset voice recorded conversation will proven, XXXX did everything possible to slow the process down and let me know it was handled and the previous payoff price will be given is there anything else No, sir I replied the. He went over everything after he was finished I thanked him and he said the payoff price is the original price if I need to cancel the payoff please contact and so on I again thanked him very much the call ended, 10minutes after speaking to XXXX an email was sent to me stating i agreed to a one time payment from account ending in XXXX but they are taking the larger sum I can call back and go through it all again like been happening for 2 days now to start process all over, this is a very dishonest company, evil crooked, they do everything possible to get an extra dollar from you even when you do what you need to do, no one can make them be punished they will act like its an accident or mistake and do this so people just give up and they get extra money, Dont know who to get to go against a financial institution as big as Lendumo they have no rules and show they will do as they please,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: Conn's, Inc.
State: TX

Complaint narrative:
The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: PA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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