vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The letter I sent on XX/XX/XXXX was my 2nd letter informing the Credit Bureau that I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an identity theft. These items are unknown to me. Also, the information that some Credit bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me : 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 Balance : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$8400.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} 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 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 Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid a capital one account that wasnt mine and they dont want to take it off my credit report. Im still XXXX XXXX and waiting for my release papers but I got released XX/XX/2017 And Im getting denied for home loans and everything as a result of this error which I need removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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:
On XXXX XXXX at XXXX while working with my Chime back card in my wallet. I began to get alerts from the Chime secure portal that my card was being used at an ATM. I went in and cancelled the card immediately and recieved a response that there would be no fund taken from my account. I called chime and made a report of this. The operator began to make notes of my issue and I was told that these charges will be taken off. The next few days I was hit with transaction fees and the fees for withdrawls from an out of network ATM. There was first 2 attempted charges from XXXX XXXX one for XXXX then XXXX and 3 miniutes later 2 attempted withdrawls from XXXX bank for XXXX. From using the protal I was garuneed to block all transaction yet when I went in to check my Chime account they had take the 2 attempts from XXXX and proccessed the fees. I immediately called Chime and they asked me to submit all my information. I submitted all this information that I have provided to you but Chime refused to take action however my charge dispute request was denied within 1hr. 
I asked to see the notes that were made on this so called investigation. At first they would not provide this information untill after 4 calls and speaking to many people I was emailed the notes on my account. CHIME lied and said there were no alerts, no warnings, nothing out of the usual and that these withdrawls look consistent to previous withdrawls. I bank with XXXX XXXX and have never been into a XXXX Bank. After finding out this lie I immediately went to check my end of the month statement. On XX/XX/XXXX I printed out my statement for the last month and there was 1 charge for XXXX but 2 transaction charges and my account was out of XXXX. A total of XXXX was taken from an ATM withing 4 minutes with 2 transaction at XXXX bank at XXXX which I was alerted to and assured there will be no withdrawls yet CHIME WILL NOT RETRUN MY MONEY. 
I made this known to CHIME they went in and changed my monthly summary to add these charges. I have the original prints and text of all these happenings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I submitted two letters within the last 60 + days to TransUnion XXXX XXXX solutions for them to either remove the eviction they are reporting on my report or send me all the documents they have to verify it including ( lease agreement signed ) etc. The first letter I sent out, they returned a letter back within 30 days stating that it is verified never sending me verification of any sort. The second letter I sent to them certified so that I was able to track when they received it. By law they have 15 days to respond to my second request and I still havent heard anything. My second letter was mailed out XXXX XXXX and my tracker stated that they received it that following Saturday XX/XX/XXXX. They sent me a letter telling me they received my letter XX/XX/2022. It has been 15 business days since then. I am very dissatisfied with the way this company is reporting to my consumer report and how they are handling it by not verifying any info. I know my rights and I will not stop until this is removed from my 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient XXXX XXXX company report me 60 days late in XXXX. I have been literally harassed by this company and When I make a timely payment they reported me late and my wife 60 days late. After calling Navient to see why they reported me late I was told that it was a mistake and the negative information will be retracted. After waiting over 30 days this has not happened. Navient has lied to me stating and now I believe they are purposely trying to destroy my personal credit and create lies. I am asking that this situation be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
So for the past 4 months now I have been actively trying to work with freedom mortgage loss mitigation department in trying to find a way to get back on track with my mortgage and every time I call it's always a different excuse I have been working with my regional veterans affairs mortgage representative that I was assigned and on XX/XX/2022 I resubmitted there packet as instructed and the VA representative got a 30 day extension giving the lender ample time to review the packet and correct the mortgage loan but instead of them doing there jobs they never reviewed the packet which the VA representative has all the correspondence between them where the extension was approved for this purpose but instead of them reviewing the packet and moving forward with fixing the mortgage loan they just ignored the packet and the extension and went through with the foreclosure sale inside of the 30 day extension that was approved and they never sent out the letter stating the date and time of the sale to me so I feel that I am being discriminated against and unlawfully treated on the grounds that I am a XXXX veteran

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
My home is under contract and due to close tomorrow XX/XX/22. The Mortgage Servicer has failed and refused to provide a Mortgage Payoff Amount to the Closing Agent, therefore holding up the Closing Process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in 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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any electric company bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX my debit card from 5/3rd bank was compromised resulting in over {$2000.00} in fraudulent charges. 
2 from att totaling {$1500.00} XXXX from XXXX XXXX totaling {$600.00} I initiated the dispute process on XXXX, per 5/3rd protocol that suspect charges post to the account. 
5/3rd bank will issue a credit for suspect charges, usually within the week. 

XXXX XXXX XXXX has also been notified and are involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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.

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 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NAVY FEDERAL CREDIT UNION My account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX On XX/XX/2022 an ACH stared from NFCU checking. Was sent to my spending account XXXX XXXX XXXX  ( {$5000.00} ) ( {$50.00} ) ( {$20.00} ) ( {$1.00} ). Then to my XXXX XXXX XXXX XXXX  {$9500.00} ) all ended being sent back with return fees. ( {$29.00} ) NFCU checking was closed and both accounts @ XXXX XXXX. There was a letter that I found in my vault with XXXX XXXX or XXXX XXXX. I have a idea on who put this in there. The letter was saying to do Something with my checking to summit to the FDR. That the united states treasure would summit funds into my account. I had showed the teller at NFCU this she asked how I received and put notes into my account. I also talked to someone else there and this individual was not helping but only to tell me that it's true what the latter had said. This now has places me in a position that I'm homeless with job and money is hard to come by. I Have tried many times to fix this matter. I feel that this should have been investigated. With my account on my phone being looked into and others that may have my personal information. I'm trying to figure out the right way or course of action. Without cash flow it's hard to pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any electric company bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitting a dispute for the credit bureau to look into a matter. There is a charge-off account that is not mine on my credit report from XXXX. Credit Bureau or the XXXX XXXX has the wrong account listed on my credit report. I have never been late on any XXXX XXXX bill that I have ever had. I have proof of every payment made on time. When I contacted XXXX XXXX I was told that they dont see a charged off account owned by myself. However, the credit bureaus are saying they verified the account as accurate. I demand that this account belonging to someone else be removed immediately from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was included in 2 company breaches that Im aware of at this time. I have contacted XXXX XXXX and Equifax by mail and called information has been placed on my credit report Inaccurate addresses that are not mine I have no accounts with these addresses I have contacted one of the companies that placed a collection account on my report that was removed, however they refuse to remove the addresses that are not my current address, I have sent proof of my current address with a copy of my id and current utility bill. Please help I just want my current address updated as I am trying to clean up my credit report with current and accurate information.

Company response to consumer: Closed with explanation