vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
My Student Discover card was on hold for 4 months. I told them I was a XXXX XXXX XXXX student and I work part time at my XXXX XXXX  and that my only option at the moment was to get an online signature for my enhanced notary form. They still decided to close my account without warning ( I had to call them. They did not email me, they sent me nothing in the mail ). And this is incredibly unfair. Since they didnt tell me what type of notary signature to get ( private or public ) and now they close my account. This is incredibly ridiculous and unfair to the consumer. I also think because I am a XXXX resident, they were biased towards me and felt no urgency or concern to actually help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2023 I was issued provisional credit on my account for an unauthorized transaction I filed a dispute for. On XX/XX/2023 I made several transaction moving money in and out of my account. I placed an order for XXXX online to be picked up in two hours, 3 items totalling {$78.00}. Upon looking at my account ofcourse the outgoing money was deducted from my account but still under the pending section of my account. Not even an hour after the transaction was done I received an email as well as phone alert from XXXX saying that two items I had ordered weren't in stock so that left one item only available to be picked up. Which was only {$5.00}. Being since the more important 2 items were canceled I then shortly after decided to cancel the one item as well. Me thinking that my funds would be returned to my account once the payment posted and was no longer in pending state. My assumption that posted transaction meant that all refunds payments were received and The transaction needed nothing more because it was considered completed. However the posted transaction that was pending at {$78.00} had posted as {$5.00} and still no sign of the the money from the other two canceled items on the same order that had been canceled and according to XXXX returned in the same day. Yet once the payment posted. Still nothing in my account. Do do apparent foul play on Chime Banks behalf. I contacted Chime in hopes to resolve the issue only to be asked the same questions repeatedly and directed to several different XXXX to some other department to so called better help me with my case Today I've been sitting all day in hopes for a resolution for someone to get a clue do the math and see that my funds are missing have apparently disappeared to somewhere but what I can sucks you is it sucks that we people have put our trust and faith in such an unprofessional establishment and trust that these people holding such incompetence. That simple adding and see that my money is missing and make the needed corrections instead I waited days to get some automated response not even in relation to what I'm taking about. I want my money plus some for the hard time and the struggle. Money in compensation for my time spent waisted in attempt to reach out to them in hopes to come to a resolution. But that's gotten me nowhere. Thanks for taking the time to review and my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: NJ

Complaint narrative:
My student loan balance is XXXX. XXXX and XXXX have provided the necessary paperwork to show that my loans were forgiven and that my balance is XXXX but Experian will not update the loan balance to XXXX. This affects my debt-to-income ratio and they need to fix it. I provided all paperwork to them and the only thing they updated was that the " monthly due amount '' is XXXX. This is incorrect. The balance is XXXX, not {$14000.00} and needs to be reflected as such. XXXX has updated the balance to zero, I don't understand why Experian would be willingly reporting this incorrectly despite proof and records that show the balance is 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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.

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 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On Thursday night I submitted an application for the XXXX USAA credit card and I received an email stating urgent request stating that I needed to verify my ID and I was able to login into my account that morning around XXXX XXXX. I tried to log back in to check my account and it stating that my login access has been locked. I have submitted all the information needed for my account to be unlocked and nothing has happened. My payroll gets sent to my XXXX account every other week. I previously had an account with XXXX and I never had this issue. Its frustrating and inconvenient because I have all my funds with XXXX  and I had the account opened since the beginning of XXXX and no one reached out to let me know this in advance so I didnt had to go through this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.

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 2023-10-14 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-14 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: CA

Complaint narrative:
1. **42 USC 408** : If TransUnion improperly handled Social Security numbers , such as using them without proper authorization or for purposes not permitted under the law, it could potentially be in violation of this statute.

2. **15 USC 1602** : This is part of the Truth in Lending Act. If TransUnion misrepresented credit terms or failed to provide necessary disclosures, it could be in violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply to TransUnion unless there's an issue with a specific financial instrument at play. For example, if TransUnion were to issue a negotiable instrument that doesn't meet the requirements outlined in this statute, it could potentially be in violation.

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 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2023-10-14 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: NC

Complaint narrative:
I mailed a letter on ( XXXX  ) ( they received it on XXXX ) stating that there was fraudulent /hard inquiry on my equifax report and they said I didnt tell them what inquiry it was when I clearly precipitated it to them in the ID theft letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: SG and Associates
State: PA

Complaint narrative:
I lost an apartment back in XXXX and the Sherif office seized furniture and items I could not get moved out due to lack of funds and very little to no help moving out. I was at the time making payments for a few items via a company called XXXX XXXX Lost my job and could not pay it back so the account was closed. 6 + years later XXXX XXXXXXXX sold the debt to an agency called STAFFORD GROUP & ASSOCIATES. I contacted XXXX XXXX and was told the debt is charged off and no longer associated with an existing account. I never contacted STAFFORD GROUP & ASSOCIATES nor agreed to pay or schedule payments for the debt. There's no agreement that binds me with this collection company and I'd like the debt to be removed from my credit report on all 3 bureaus. 

I'm NOT liable for this dept with XXXX XXXX, I do NOT have a contract with STAFFORD GROUP AND ASSOC, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt as this DEBT with XXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency STAFFORD GROUP AND ASSOC 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 2023-10-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im begging you plese remove this to the credit report

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 2023-10-14 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 recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing XXXX XXXX  home. Please remove fraudulent accounts from my credit reports as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: NC

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing my XXXX  home. Please remove fraudulent accounts from my credit reports as soon as possible.

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 2023-10-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo continue to practices of not completing the task of sending important information and documents that are needed to allow business that may as for me may prevent the closing of my house and pay off debt to Wells Fargo account which is going to have a another harmful negative financial effect I'm XXXX and just want to be free of Dept caused by a car accident

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 2023-10-15 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: IL

Complaint narrative:
Started dispute with Transunion on XX/XX/2023. It has been eight days and they will not allow me to request an updated credit report. Also I do not see that Transunion notified the furnishers within 5 days of starting this dispute. Currently Transunion has started the dispute and is not complying with the FCRA.

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 2023-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ATG Credit, LLC
State: NY

Complaint narrative:
i demand ATG to cease all communication through all mediums and thet failed and contacted me again, they state a contract gave them authorization to contact me for 3rd party collections but my contracts never states i give atg direct consent to contact me or atg has not gotten any consent from a judge to contact me, atg admits to harassing me on a number of occasions by stating i failed to speak with them, i will now be filing a lawsuit thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I bought a XXXX Ford XXXX XXXX through Ford Motor Credit. I paid the loan off. Ford has never reported this to the credit bureaus. I have been on the phone with them three different times each time they say they will take care of it but never do. They finally sent me paperwork saying that I bought the van through them and paid it off. I sent all this information to XXXX and XXXX. with explanations about everything and neither one of these companies have done anything to help me I need this reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Deposit a cashier check into checking account on XXXX XX/XX/2023. After 10 day waiting period when to bank to withdraw some money that was when I was told my account was frozen and had to get in touch with the fraud department. I checked my voice messages and a XXXX XXXX had left a message the day before.So I returned his call at which time XXXX told me that the person who send me the cashier check had to go to the bank in her area with two forms of identity to say she did send the cashier check her bank verified that the cashier check was good.But XXXX wanted to know why I was getting such a large cashier check from the lady. She told him why but he still wanted to know from/for what business. I had to submit my paperwork from the State of Ohio that I do have a business register. That's when XXXX started accusing me of being scammed to being involved in a scam to being involved in a fraud money laundering. Now XXXX want paperwork that I had given the lady money to invest for me and XXXX is now saying the money belongs to a third party but he wouldn't give me the name of that person. XXXX has been rude disrespectful toward me and even hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: MD

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-15 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: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: IL

Complaint narrative:
Filed a complaint ( XXXX ) on XX/XX/2023 against Experian regarding a closed dispute that did not follow proper procedure. I received an email stating Experian started a new dispute was opened on XX/XX/2023, report number XXXX, and only corrected my name and one address per my second request. There is still an address being reported that I never resided at. These inaccurate items where still not deleted per my instructions. That dispute was closed same day on XX/XX/2023. Experian is still non compliant with FCRA.

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 2023-10-14 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: MD

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My home loan was sold to Truist. I had been paying every 2 weeks when I was with XXXX. In XXXX I was informed by my bank that Truist had sent my payment back. I called Truist to ask why. I was told there had been a glitch and that I would not be charged a late fee nor reported. I made payment. I started receiving info from credit cards that my credit had now been rescinded due to late property payment. I called Truist, was told they do not honor bi weekly payment I had with XXXX XXXX. I asked why I was not informed and was not given an answer. I was asked if I wanted to file a complaint for correction. I said yes. I was told it would " probably '' be denied. I received a letter denying my request. I have the letter from the bank saying they sent back payment. In addition, since I pay bi weekly there should have been money in the holding account that could have been applied. Truist has now sent me paperwork for people who can no longer make house payments despite the fact my payments are up to date. PLEASE stop them from harassing a hard working single mother.

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