vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of XXXX gallons to fill up a XXXX XXXX XXXX XXXX gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the XXXX resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with XXXX XXXX engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of 18.8 gallons to fill up a XXXX XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the Metter resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with 2.5T GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. Thank you

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 2022-12-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have disputed the items below on XX/XX/2022 but the bureaus did not remove them or prove validation. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOWXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE BELOW. 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 2022-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
I had been a victim of Identity Theft. I had been working with my bank to try to correct my account and then also my mortgage payments to Fay Servicing. I went to several places to try to get mortgage assistance and was not successful. I then was referred on XX/XX/2022 to Administration of Resources and Choices ( ARC ) to get the assistance I needed through the Homeowner Assistance Fund ( HAF ) however, it was late due to the Auction sale date of XX/XX/2022. The XXXX XXXX contacted the Congressional Office of XXXX XXXX for help on requesting the postponement of the sale date. That same day of XX/XX/2022 the Congressional Office requested the postponement ( see attached email ) Also, Congressional office received confirmation of receipt on XX/XX/2022 of such request/ However, Fay Servicing never responded. On XX/XX/2022 XXXX XXXX went to the Bankruptcy court to file XXXX  XXXX Bankruptcy in order to save her home. The XXXX was filed and XXXX am ( see attached ) and auction sale was to take place at XXXX XXXX. 
Even though the Bankruptcy was filed before the sale, it still was auctioned off with no regard to the bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime offers Spot me advance on pay my limit is XXXX with a XXXX of XXXX by chime policy. I Requested a increase several times and meet all of the requirements XXXX have XXXX months of reccuring deposit of XXXX, and a XXXX time deposits some totaling even XXXX. It's very apperant that I can handle a larger increase of spot me but chime refuses to increase my spot me with no good reason. I've always re paid spot me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NC

Complaint narrative:
This complaint is for XXXX XXXX XXXX. Experian.com will not take off several fraudulent accounts on his credit report. There was also an social security number ending in XXXX. My husband 's last XXXX are XXXX. He also has several credit cards that's he's on the accounts, that Experian won't list. 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 2022-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: VT

Complaint narrative:
In XXXX, my previous banking, XXXX XXXX XXXX Bank ( in the northeast ) was acquired by XXXX XXXX XXXX Bank. Due to certain fees and other rules that came with my funds staying in XXXX & XXXX accounts, I had decided to take my funds out of the account and move them to a HYSA ( High Yield Savings Account ) and split the other into a checking account through XXXX XXXX. I chose Discover for my HYSA, and moved around half of my funds ( XXXX ) into this account from my XXXX XXXX XXXX Account with no issues. I then worked to close my XXXX XXXX XXXX Bank account and transfer the money over. I had some issues transferring the funds, as I attempted to transfer the rest of my money in the XXXX & XXXX account over ( {$4600.00} ). However, due to some unrelated issues regarding me accidentally transferring more than I had in the XXXX & XXXX account at the time ( due to an automatic bill payment occurring in the process ), there were some issues in transferring. Ultimately, I was able to take my money out of my XXXX XXXX XXXX  account in Branch in order to prevent this from reoccurring and deposit it into the Discover account ( on XX/XX/22 ). However, in this process, Discover removed my access to my account immediately after, and when I called later that week, I was told my account was closed due to a " business decision '' and that I would be sent the money within the account by the end of a 30 day period. This, however, did not occur and I failed to get any help from the organization. On XX/XX/22, I was able to access my account online, but was only able to see that I had money in this Discover account. From this point, I was unable to remove any funds even after Discover had told me they had closed it. It appears this account is in some sort of limbo that was supposedly resolved in XXXX, though I still have No access whatsoever to these funds. I have attached XXXX documents labeled in order from 1-3 : 1 is the original message confirming my deposit on XX/XX/22, XXXX is a message saying the deposit would be delayed due to the amount ( XX/XX/22 ), and the third a message from today showing what occurs when I attempt to withdraw or transfer funds ( an issue that others I know with a Discover HYSA do not have ). Thank you to whoever reads this, I appreciate your time and hope this can help me get all of my savings back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have already contacted the company and police when the transaction was placed by XXXX. Plus had it removed from one Credit Bureau already. I don't understand why it's listed with Experian still. I have been a victim of XXXX XXXX Data Breach, Hud Data Breach and a Credit Bureau Data Breach among others over the past few years. XXXX recently alerted me that my ssn is on the dark web. Please help!!

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 2022-12-13 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: GA

Complaint narrative:
15USC 1681 Section 602 states, I have the right to privacy.

15USC 1681 Section 604 ( a ) Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. 

15USC 1666 ( b ) : A creditor may not treat a payment on a credit card account under an open-end Consumer credit plan as late for any purpose.

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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: The Moore Law Group
State: CA

Complaint narrative:
Some time in XXXX, or XXXX someone who moved into my former residence opened a XXXX card, the troubling thing is apparently the card was issued to a XXXX XXXXmy name is XXXX XXXX, I did not find out about this until XXXX, when I was looking at court records & there was a judgement against me that matched my S.S. number. I looked up the court case and saw the person they served for the lawsuit was not me, it did not match my physical description, it was way off. I was not even living at that address at the time, so it was impossible to serve me. So the creditor, Moore Law Group got the judgement, and apparently when 10 years pass, they need to renew the judgement, which the Moore law group did. I filed a motion in court to have the judgement vacated, and the court granted my request because the person they served was NOT me. I have filed an identity theft report with the XXXX XXXX police dept. and notified the Moore law group of identity theft, but they are continuing to try to enforce the court case against me. I never had a discover card & did not open this alleged 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 explanation
Consumer complaint received 2022-12-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
this company has not responded to any of my disputes. i have waited more than 45 days and have yet to receive anything!

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
Contacted Experian, placed frau alert. Have contacted XXXX XXXX XXXX in the past when this happened and no there was no reason for a report to have been issued. I do not have an account with XXXX XXXX XXXX, have not applied for a credit card or loan or for any other service with this company. 
This is the second time this has happened. Shortly after the last time, I received a letter from a sham XXXX address. I reported this also.

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 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THIS IS MY XXXX ATTEMPT TO RESOLVE THIS MATTER WITH XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX, XXXX and TRANSUNION DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite XXXX, XXXX and TranUnion has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXX Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, XXXX and Transunion continues to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.

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 2022-12-13 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: EQUIFAX, INC.
State: AR

Complaint narrative:
THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE XXXX, EQUIFAX and XXXX DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite XXXX, Equifax and XXXX has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX XXXX XXXX shows balance of {$2500.00} as of XX/XX/2022. Account XXXX shows a balance of {$1600.00}. The Account XXXX XXXX has a balance showing {$690.00} as of XX/XX/2022. The Account XXXX XXXX XXXX shows a balance of {$1600.00} as of XX/XX/2022 and The Account XXXX XXXX XXXX a balance of {$11000.00} as of XXXX Accounts are currently appearing on my credit due inaccuracies but for some reason Experian, Equifax and XXXX XXXX to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act. I am aware and read the FCRA laws which these reporting agencies have broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Deposited a check on XX/XX/XXXX in the amount of {$3100.00}. Checking account opened in XX/XX/XXXX ( more than 30 days ago ). Check amount less than {$5000.00}. Account never overdrawn. Truist not abiding by Federal Reserve availability of funds policy/act. Truist not making any funds available until XX/XX/XXXX. Need to fine or hold them accountable.

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 2022-12-13 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: MS

Complaint narrative:
Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.

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 2022-12-13 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: Westcreek Financial
State: AL

Complaint narrative:
I am a victim of Identity theft- Someone/ Or persons have received appliances from west-creek financial- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX  and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX XXXX remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Last XX/XX/2022 I paid off my home mortgage to XXXX received a letter of paid in full But since paying this off my credit score from all reporting agencies & my 5 different banks fico scores come up with low scores based off of LACK OF RECENT INSTALLMENT LOAN INFORMATION! This has appeared since XX/XX/2022 time period. This was caused by me paying off my home. I have called XXXX its out of their hands, I called Trans Union again they cant help told me to call CONSUMER FINANCIAL BUREAU they sent me to you at www.consumer financial.com/askcfpb Can someone please get this ongoing report to be removed from my record so it no longer decreases my score Please advise 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