vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I signed up for the Paypal XXXX XXXX. To date, I have received only 4 statements. Every month other then XXXX, I have made large payments to keep my balance down. The first month the payment was just under {$300.00}. For both the second and last statements, I paid {$300.00}. Both times my available credit was reduced by the amount of my payment, so I didn't have my full balance available. Currently, paypal shows I only have {$7.00} available credit and a balance of {$190.00}.??, which totals only {$200.00}, yet my credit limit is {$500.00}. I am being penalized for keeping my balance lower. They are claiming out of character, but the attached statements show that isn't the case.

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 2023-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX, I received emails stating an account was opened through Bank of America. I did not open this account. At the time I reached out, communicated with B of A that this was a result of fraud and was able to close the account. 

Here we are in XXXX and the same thing has occurred and I have received several emails stating an account was again opened with Bank of America.

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 2023-01-10 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: CITIBANK, N.A.
State: CO

Complaint narrative:
someone I know has taken my social security number and is trying to open bank accounts, and credit cards as me. she has also take cards i already have and called the credit card companies saying the card has been stolen and they are changing the addresses to her address and sending the new cards. i realized this when i went to use a card and it was declined and i called the company and they said we are sending a new card to a new address. the phone number was also changed on the account so all notifications go to her cell phone. i have frozen my credit on all 3 places but there are still accounts open that are in my name that aren't mine and it's a little overwhelming to call them all and get this straightened out. the fact she keeps doing it is even more frustrating, the police have been notified but there wasn't enough information for them to do anything, at least that's what they said. she tried opening a bunch of accounts in XX/XX/2022 and i have a list on my XXXX  account that they couldnt flag as fraud and close because accounts were active with those addresses. she has also tried to open accounts in my son 's name and im worried she may have also tried to get my mother, and might go after my other son and husband, also who knows who else she has been doing this to...

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 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC
State: OH

Complaint narrative:
I signed up for a solar home loan and the company that financed it with Sunlight Financial. The company that monitored the solar was power home solar also known as XXXX XXXX. XXXX XXXX has now went out of business and filed bankruptcy and therefore left all of its customers without workmanship on the solar system supplied by XXXX. Sunlight Financial is still trying to collect on this loan when the loan contract has been broken. Yes, The warranty with XXXX on the solar system is still valid but theres no one to service the solar system and currently my system does not work and has not worked since XXXX of 2022. Prior to XXXX, the system only worked periodically. I am paying {$65000.00} for a system that doesnt even work. I agreed to the loan with the expectation that everything in the contract would be honored. The contract has been broken. We did not have 2 separate contracts we had 1. In that loan we are paying for the equipment but we are also paying for the workmanship warranty and installation cost. I have attached an email with my complaint to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I called Experian on XXXX XXXX XXXX XXXX to have incorrect/transposed legal names removed from my Experian credit report. Experian removed multiple names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and four other incorrect/transposed names but they will not remove XXXX XXXX XXXX XXXX which is not my name. 

The only name that should be on my report should be XXXX XXXX XXXX XXXX. Thank you for your time!

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 2023-01-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to XXXX XXXX and Equifax disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) XXXX XXXX and Equifax has 30 days to respond to my dispute. Not responding is a violation of my rights. 

Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: GA

Complaint narrative:
I sent letters to Experian XXXX and XXXX disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) Experian XXXX and XXXX has 30 days to respond to my dispute. Not responding is a violation of my rights. 

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

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 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
I just was aware today XXXX  XX/XX/XXXX after being denied for an apartment that I was denied because of a collection. When I went to check my credit report it states that I have a collection of {$1000.00} for L.J. ROSS, XXXX XXXX account that was opened XX/XX/XXXX. Ive never had a XXXX XXXX account. Ive stayed with my parents at my current address XXXX s. XXXX XXXX well over 2 years, I dont have, nor do I need a XXXX XXXX  account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-01-10 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an alert from XXXX that an inquiry was made with Bank of America for a credit card application on XX/XX/2023. I did not apply for this credit. I was advised by XXXX to file this report. I was also advised to contact Bank of America. I contacted Bank of America on XX/XX/2023 to report the fraudulent inquiry and the representative I spoke with informed me that no account currently exists in my name.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I paid with XXXX Credit Card XXXX Goldman Sachs XXXX the services on XXXX restaurant on XX/XX/2022. Total bill was split between two parties. I was responsible for US {$50.00} ONLY.

Apple card charged me US {$190.00} when I authorized and signed a voucher for US {$50.00}. I disputed the amount online and received a provisional credit of {$140.00} on XX/XX/2022. However, Apple card reversed the credit and charged me {$140.00} on XX/XX/2022. 
I am trying to dispute again, but I do not have any answer yet from Apple Card. 
I also contacted the merchant in XXXXXXXX XXXX  which was not willing to help. I will try again, hope a different manager is in charge. I do not have the receipt anymore, and I was requesting a copy of the signed receipt to the restaurant. However, they mentioned that credit cards solve disputes in a different way, and Apple card never has reached to them yet to solve the issue. 
I will not pay for a service that I did not buy and I did not authorize. 
Apple Card should investigate before charging whatever they want. I never signed or authorized a charge for {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Payfare International Inc.
State: MA

Complaint narrative:
I was stopped while working and asked to verify my identity to continue working. The man said his name was XXXX and worked for XXXX and gave me a badge number. He said they were having problems with premium XXXX  having relatives work for them and it was a contract violation. He told me to stop the delivery I was on and verify myself. He paid me thru the payroll app a cancellation fee for cancellation of my delivery he then canceled the delivery. He had personal information about me and my working statistics. He asked me for a code that I received via email. He then would not let me work until I provided this code to him. He was using the pause your XXXX  function through the XXXX  app. He paused my XXXX  XXXX separate times preventing me from XXXX. I thought I had to give him the code to keep working and he said he needed it to pay me another fee. After I gave him the code he changed the phone number in my XXXX direct account and issued a virtual card to himself and spent {$1300.00} in funds. I immediately tried to stop this by changing the phone number back to my own number and the guy had hacked my email address stopping me from receiving emails until I kicked all users off my session and then I received all the emails I was not getting. Those emails were the second step of authentication for me to change the phone number back. When I was able to get XXXX support on the line they secured my account and reissued me a card to stop the account from being used again fraudulently. They said I had to dispute every charge and submit it to them and it would take 60 days I have waited and to no avail. They were trying to secure a one time payment from pay fare back in XXXX and I was then told to wait for pay fare to call me back. I havent heard a thing from pay fare about this matter. This all happened XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-01-10 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: PA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I sent to Coinbase the following transactions, and they were sent through Coinbase to XXXX and XXXX. 
XXXX and XXXX were fraudulent broker sites. 
User XXXX XXXX Timestamp Spot Price Currency Subtotal Total ( inclusive of fees ) Fees Notes XXXX USD {$980.00} {$1000.00} XXXX Bought XXXX XXXX for {$1000.00} USD XXXX USD {$9400.00} {$9600.00} XXXX Bought XXXX XXXX for {$9600.00} USD XXXX USD {$1200.00} {$1200.00} XXXX Bought XXXX XXXX for {$1200.00} USD XXXX USD {$19000.00} {$19000.00} XXXX Bought XXXX XXXX for {$19000.00} USD XXXX USD {$970.00} {$990.00} XXXX Bought XXXX XXXX for {$990.00} USD XXXX USD {$490.00} {$500.00} XXXX Bought XXXX XXXX for {$500.00} USD XXXX USD {$44000.00} {$44000.00} XXXX Bought XXXX XXXX for {$44000.00} USD XXXX USD {$13000.00} {$13000.00} XXXX Bought XXXX XXXX for {$13000.00} USD XXXX USD {$40000.00} {$40000.00} XXXX Bought XXXX XXXX for {$40000.00} USD XXXX USD {$16000.00} {$17000.00} XXXX Bought XXXX XXXX for {$17000.00} USD XXXX USD {$17000.00} {$17000.00} XXXX Bought XXXX XXXX for {$17000.00} USD XXXX USD {$29000.00} {$30000.00} XXXX Bought XXXX XXXX for {$30000.00} USD XXXX USD {$12000.00} {$12000.00} XXXX Bought XXXX XXXX for {$12000.00} USD XXXX USD {$940.00} {$960.00} XXXX Converted XXXX XXXX to XXXX XXXX XXXX USD {$1000.00} {$1000.00} XXXX Converted XXXX ETH to XXXX XXXX {$210000.00} {$210000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2023-01-10 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX To whom it may concern, On XX/XX/2023 I applied for credit for my XXXX XXXX XXXX XXXX I received this attached letter of denial and was very concerned about the denial reason given. Such as Derogatory XXXX XXXX, XXXX many inquiries, proportion of loan balances to loan amount too high etc. 

Right away, this alarmed me because this is my second year in business and I just started to establish credit for my business. I have only one American Express Platinum with no balance! 

This led me to check my credit and sure enough, this company has ran my credit without my permission and this is a violation of the fair credit act! I am asking this company to remove all unauthorized inquiries on my credit, which has affected my credit score. 

My business is separate from my personal life and you are out of order, running my person credit to determine whether to grant me credit. I clearly stated on the applications my company name, my business EID #, the application would not let me move forward unless I put my Social security number in the field, I can remember thinking, I hope they dont dry to be slick and use my social security number and that is just what happen. 

I am disputing these inquiring and filing a complaint for because this is the second time this week this has happen, therefore I believe this is done in all cases when businesses apply for credit, and it is not fair, in fact, it discrimination! 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation