vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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 identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have received information from Wells Fargo of a signed formed but not the info i requested. if the XXXX sent you monies on my behalf, where did you apply those funds and why are you unable to provide proof of those funds. if you are unable to provide info that the monies were applied, then you cant possibly say i was delinquent. i may have signed a form because you said i was delinquent and that is because you didn't apply the funds from the XXXX  that was sent on my behalf. where did you apply the monies the XXXX sent you on my behalf. i was not delinquent. i was current and a partial claim should have never been submitted.

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 2023-12-18 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
On XX/XX/2013, XXXX the balanced of {$2300.00} the original creditor is XXXX XXXX XXXX, I took a look at my credit report and noticed inaccuracies on my credit report.I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also stated to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation.I also stated to please mail me the proof of your investigation and proof that this debt or deleted account within 30 days.

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 2023-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2013, XXXX the balanced of {$2300.00} the original creditor is XXXX XXXX XXXX I took a look at my credit report and noticed inaccuracies on my credit report.I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also stated to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation.I also stated to please mail me the proof of your investigation and proof that this debt or deleted account within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
I was trying to buy a house and I realize that I had damages on my credit report and according to 15 USC 1681 law, there should not be any damage on my credit report, this is a defamation to your character.

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 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Union Adjustment Company, Inc.
State: NY

Complaint narrative:
To whom it may concern, Hi my name is XXXX XXXX XXXX, I really have hard time to access all my belongings and there are so many suspicious activities that stop me to do what Im doing, and I already spend 3 months since I have identity issues. My privacy and device is like a XXXX XXXX, I feel a lot of people without provide me anything just access my phone. Information changes, deleted, and XXXX keeping receiving new happenings, and by verified my identity I already spend 3 months, because some of the documents are very confusing and I also have English problems, so I was doing slow. But some of the identification I dont know why its so hard they keep verifying me over and over like play games. Then I got blocked then I have to wait, then someone access my phone then scammers came deleted and got my account password. Then I have to restarted doing everything. Then you guys dont give me enough time since I have many problems and a lot of BLOCKS make me even more slower. After I finished then there is new things came out. Those days are the most stressful and frustrating days in my life. Can you guys wait for me at least? Or send someone to help, otherwise its going to be the same. The easiest way is someone that can follow up to make sure Im doing good which the witness can know its me, and Im safe, and no one else access my information. Otherwise its became more complicated and I dont understand and cant follow up your speed! Then scammer access my phone, then you guys make another activity, then I follow, then scammer came again. Thats a infinite recycle, lets find out a new solution which can be easier, more simple, smarter instead that unlimited recycling. Thank you!

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had my account closed by Chase Bank this past XXXX and have not received any information in the mail. I called XXXX in XXXX and learned that they they would send me a check for the remaining {$1000.00} or so in the account within two weeks. 

I did not receive the check in XXXX so I called again on the XXXX and customer service said it would take 90 days to verify my account. 

In XXXX I did not receive a check so I called on the XXXX and customer service said they would have to review my account indefinitely and could not give me an exact time to return my money. 

Since my account was closed, I can't get any emails about XXXX in my email, can't get any information about my money. If I don't call, I can't find out anything about my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Not allowing me access to my credit files that I requested. Im applying for a car loan and these companies are reporting incorrect info to lower my score. The FTC needs to investigate them.

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 2023-12-18 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: NV

Complaint narrative:
My credit card was stolen when there was a break-in in my apartment in XXXX XXXX XXXX NV on XX/XX/2023. The credit card was issued in the XXXX. It is a CITIBANK VISA credit card under Citibank N.A. bank. I already filed a case with the police and a detective is already investigating it. I contacted the credit card company on XX/XX/XXXX past XXXX XXXX, US time ( XX/XX/XXXX past XXXX XXXX, Philippine time ) to report the stolen credit card and there were already about 15 pending charges on my credit card. I received an email on XX/XX/2023 from the Citibank Fraud department in the XXXX saying that I am liable for the charges and that they won't be able to reverse the charges.They did not say in the letter what investigation they did. They just said, " We regret to inform you that since the following transaction/s occurred before the loss of the card was reported on XX/XX/203 at XXXX XXXX, we are unable to reverse the following transaction/s posted on your Citibank XXXX XXXX card in the total amount of XXXX XXXX. '' No investigation was done I believe based on their statement. They did not even say that they contacted the merchants to resolve the issue. There was no receipt/transaction or any document requested from the merchant. I called XXXX XXXX since the Citibank credit card that I have is a Visa card and the supervisor of XXXX XXXX did find in their system my Citibank Credit card account that was issued in the XXXX. I asked her about the XXXX XXXX XXXX XXXX that can be seen at XXXX XXXX XXXX She said that the issuer will be the one to explain it because it differs on each credit card issuer which I didn't get because it did not state that on their website that it would depend on the issuer of the credit card. XXXX Zero Liability is their regulation so it should be honored by all credit card issuer but apparently based on the supervisor 's statement, it sounded that the policy depended on the credit card issuer but why was that policy in their main website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: AZ

Complaint narrative:
They put my account in free in XXXX. Then XXXX they informed me they would be closing. XXXX  account. They said that they would issue me a refund for anything left over and the credit card account however they would not refund me for anything in my checking account which was around {$3800.00}. The reasoning is because that could not verify where the money came from. I sent them all the documentation that they asked for. I can absolutely verify where it came from. This is theft and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Liberty Career Finance, LLC
State: NC

Complaint narrative:
I believe the account is invalid. LIBERTY CAREER FINANCE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.LIBCAREERFIN XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I believe the following accounts are invalid. NAVY FEDERAL XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged accounts were transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be remove from my credit & their records.NAVY FCU XXXX, NAVY FCU XXXX, NAVY FCU XXXX and NAVY FCU XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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  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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.XXXX XXXXXXXX

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 2023-12-18 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: GA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-18 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: GA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-18 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-12-18 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief