vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: OR

Complaint narrative:
Wise US Inc. account is being used to defraud possible renters in XXXX, Oregon. The account the scammer is wanting people to use is : Routing number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Account Type : Checking Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX United States This person is claiming to be XXXX XXXX and is attempting to get people to wire money as a security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX sight unseen from the XXXX dealership located at XXXX XXXX XXXX, XXXX, Ohio XXXX. I was initially allowed to drive a newer model vehicle because I was told by my salesman, XXXX, that the vehicle I purchased was being detailed, having just come off a two-year lease agreement. 

My vehicle was delivered two days later, on Thursday, XX/XX/XXXX. Upon inspecting it, I refused to take ownership due to several issues : the rear window molding was broken, appearing as if someone had attempted to break into the car. When I notified the sales manager, they claimed they were unaware of the issue but assured me it would be fixed. They offered me a loaner vehicle while they made the necessary repairs. 

I took the vehicle back to the dealership on XX/XX/XXXX, to address the broken molding and to replace the air filter because there was a strong XXXX smell when the air vents were on. Additionally, I noticed tiny rust spots on the aluminum trim around the windows. I was promised reimbursement for a detail that was never paid. 

About three weeks later, I was still in possession of the loaner vehicle and had to continuously inquire about the status of my car, only to be told that the parts had not yet arrived. I requested to speak with the service manager, XXXX XXXX, who assured me that I would receive a spare key as compensation for the inconvenience. 

Six months later, I still have not received the spare key. I am extremely disappointed in how this situation was handled. I can't help but feel that if I were a man, this matter would have been resolved differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year> and XX/XX/year> received XXXX emails threatening legal action from Credit Corp Solutions regarding a debt I did not know existed, and my XXXX account is closed. No phone calls, voicemails, texts, letters, or any other communications received identifying themselves or attempt to collect debt prior to these threats of litigation. I was enrolled in a debt consolidation program thru XXXX XXXX XXXX prior to receiving these emails from Credit Corps Solutions. 

Regarding debt in question - From Credit Corp Solutions : Our reference : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Original Account : XXXX ( please redact if published ) Current Creditor : Credit Corp Solutions Inc . 
XXXX XXXX : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called XXXX 's customer service and chatted with a supervisor about correcting the information on my consumer report. I was informed that she, ID # XXXX did not have the ability to remove information connected to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I had the same call with Capital one and XXXX XXXX, but they put the dispute in today XXXX XXXX. She, ID # XXXX did see the dispute I made before. I am disputing the recording of the information not if the information is correct. I explained

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate his account properly and your neglect has violated my rights. I am demanding a deletion of the following account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charge off every month. This is an update in payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate his account properly and your neglect has violated my rights. I am demanding a deletion of the following account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENTE ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: IN

Complaint narrative:
In accordance with The Fair Credit Reporting ActThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account names and numbers 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 XXXXXXXX, have violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
Fay Servicing has intiated a forclosure against me and they know that I live in the home but they continue to do illigal notification practices by sending documents to my deceased mothers home in another city that they know for a fact I do not live at and have not lived at for over 25 years. the mortgage never had that address for any documents or lending that address has never been on file for anything including with other companies. They have been notified by phone and in writing that I do not live at that address and to stop sending things there but they keep doing it because they are trying to circumvent the notification of service rule. They are a predatory lender and they are also breaking privacy regulations by sending documents to a bad address. Fay servicing also keeps adding exhorbant fees to my loan for legal fees and property assesments. The property is in perfect condition and they know it. The fees are incredibly high and not the average amounts charged by other lenders. I also had a insurance claim and they have conveniently lost or damaged the checks to pay for the new roof installed on my home and i had to pay for the repair out of my own pocket but i sent them the insurance checks to endorse and send back to me which they have not done and it's been a year! please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My dad died last XXXX, and Chase locked his accounts last XXXX. Since he didn't have a beneficiary named to his accounts ( though we begged him to, even after we knew he was XXXX ), I was told to go through probate and file a small estate affidavit. After confusion over where to start and delays in the court, I got the affidavit approved on XX/XX/2024 and send it to Chase on XX/XX/2024, as well as my dad 's death certificate, to start closing his accounts and transfer the funds ( grand total of nearly $ XXXX ) into my account. 

But ... ..Chase has XXXX every step of the way. 

Inside XXXX weeks, here are all the mistakes they made : - Couldn't find the page that had the judge 's approval of the affidavit ( contacted on XX/XX/2024, learned it the affidavit was approved on XX/XX/2024 ) - Chase forgot they needed approval to take the holds off the accounts and the banker says they'll call and start the process to transfer the funds ( XX/XX/2024 ) - Missing a phone meeting to start transfering the money ( XX/XX/2024 ) - Not returning any of my calls when I'm asking for updates ( associate, banker, branch XXXX, and now private client ) ( XXXX XXXX XXXX XXXX - And now, they're saying there was a glitch so I have to submit all the paperwork and start the process all over again, which could take another week ( XX/XX/2024 ) A process that should've taken XXXX days has taken XXXX weeks now. XXXX weeks, and no progress. I've called Chase XXXX XXXX XXXX, and they confirmed multiple times that they have everything they need and everything 's been approved. But the private client person we talked to yesterday said, " No, we still have to go through the process of approval. '' Even after we told them to call Chase XXXX themselves and see everything has been done. 

I have my case number, and the branch XXXX 's card so I know who needs to be blamed here. Especially when he was the one who wouldn't even return a single XXXX of my phone calls. 

Case number : XXXX Chase Bank XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Chase Estates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
I was very excited to open a checking account with First Horizon- even more excited after receiving a promo code for {$450.00} for new checking customers. 

Conditions were to have {$1000.00} in direct deposits over 90 days and leave the account open which I met. 

I went to their XXXX office on XX/XX/XXXX and worked with XXXX to open the account. He claimed that he couldnt apply the promo code due to technology issue but he would call me back to apply code. XXXX called me back a few days later and I gave him the code and I thought we were set. 

XXXX XXXX comes along, I had met the requirements and no bonus. I sent a message via the app and First Horizon said that per the account I was supposed to have a code applied for the {$450.00} but the local bank did not apply it. Support advised me to reach out to XXXX and the local bank. 

I called the location XXXX different times and was finally told by XXXX that his notes said that I never gave him the code but he would talk with his boss on a solution. A week past and I never heard back. I called the bank and an associate named XXXX claimed that without the code they couldnt do anything. Im beyond frustrated because I was under the guise that the code was applied, unfortunately I do not have the code anymore as I was told it was applied. This is not a way to do business, please help with receiving this {$450.00} bonus. 

Thanks!

Company response to consumer: Closed with monetary relief