vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I'm having multiple issues with the Credit reporting agency Equifax which I assume will sound very familiar to others reading this complaint. First off I'm a victim of their latest security breach and I've also been a victim of fraud in the past. I'm fairly convinced that these instances of consumer fraud and theft are not just a random occurrence but actually on purpose. My theory is the banks are incahoots with the credit reporting agencies in order to write off any financial losses or debts. In my case someone accessed my credit file and used it as a menu to go ahead and charge open accounts and open up new ones as well. To this day Equifax has offered no conciliation for this. 

This brings me to the more specific issue I'm having with Equifax now. Due to the fact that I've been a victim of fraud through their carelessness of how they handle my information I'm forced to place a security freeze on my account. At the moment the only way to remove a freeze with Equifax is by phone which invovles multiple prompts and doesn't always work. It's really annoying, outdated and cumbersome. I am unable to do this through their online portal, MyEquifax.com. I have tried on multiple occasions for years and it simply does not work, it tells me to call their customer care line instead. I recently called this number and received no help whatsoever. Also, not sure if you're aware of this but Equifax offshores their customer care dept and when I asked to be transferred to someone in the US, the request was declined multiple times. The offshore rep I spoke with said they did not have that capability. I then reached out to their corporate office in XXXX and spoke with the operator who again would transfer me to an offshore agent even after I specifically requested an agent in the US. Even their fraud dept. is offshore. Date of latest incident XX/XX/23 but ongoing for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
I.Q. DATA is refusing to satisfy a judgement they hold against me with XXXX XXXX XXXX XXXXXXXX They satisfied 1 of the 2 judgements they had against me. Ive verified with the court in case there was court error and there response was that the plaintiff ( iqdata ) still has an active judgement against me and they need to contact the court stating its been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
As detailed in my previous CFPB complaint regarding XXXX XXXX, XXXX failed to pay my property taxes from my escrow account. My loan has now been transferred to Mr. Cooper, my property taxes remain unpaid, and I have been unable to resolve this issue with Mr. Cooper. The property taxes were due on XX/XX/2023, and I have been informed that my home will be referred for a tax sale if this issue is not resolved by XX/XX/2023. 

After spending many hours over a period of months trying to resolve this issue with XXXX and being assured that XXXX would make the payment, XXXX informed me on XX/XX/2023, that because it had transferred my loan to Mr. Cooper it would not be paying my property taxes as promised. XXXX indicated that it had reached out to Mr. Cooper regarding this issue and instructed me to do the same. I called Mr. Cooper that day and was told that I was not in there system. I emailed Mr. Cooper about this pressing issue that same day, and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
I have contacted all 3 credit agencies by phone, as well as by letter to inform them that these inquiries on my credit report are unauthorized, unrecognized fraudulent activity to no avail of them being removed. I have also contacted many of the companies directly as well to no avail.

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 2023-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is inaccurate information on my report regarding the account XXXX from capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: GA

Complaint narrative:
There is inaccurate information on my report regarding the account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
I used my Cash app Card to pay a down payment on a car for XXXX XXXX on XXXX XXXX. I ended up not getting the car and was refunded the money but never received the refund XXXX, 2023. I contacted cash app on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via chat support each time I was advised they received no refund, had no additional information, I was told to contact the merchant, my dispute was denied. I have also called in XXXX and XXXX and each time I was told by phone that no refund was received. I have been told the same thing through email as well. I reached out to XXXX XXXX several times and was advised that they have done everything on their part and that the refund cleared on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit report has dropped from XX/XX/2023 from XXXX to XXXX XX/XX/2023 without a balance and the only change was hard inquiries dropping off. In XXXX of 2023 my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, XXXX, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, XXXX, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

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 2023-06-13 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: NV

Complaint narrative:
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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUSTMARK CORPORATION
State: FL

Complaint narrative:
We sent an ACH to a company XXXX  XXXX XXXX and XXXX XXXX on XX/XX/2023 in the amount of {$13000.00} the beneficiary was stated as XXXX XXXX XXXX and XXXX XXXX but Trustmark National Bank paid the money to a personal account and not to the beneficiary as named. It turns out the companies account was hacked and a fraudulent email was sent requesting payment to this account. as the beneficiary name was not a match the funds should have been returned and not delivered. the bank has to take responsibility to verify the company name just like on a check. My bank can not pull back the money without the receiving bank sending it. this is fraud and Trustmark Bank should have flagged it and not paid it.

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 2023-06-13 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I had a fraudulent transaction that I reported to chime where my card was used. Instead of doing a diligent investigation and getting evidence to support that this transaction was legitimate they denied my chargeback. 

I have banked with this company for years and never once filed a chargeback and when I finally need it because I am a VICTIM they do nothing for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

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 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 2023-06-13 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: PA

Complaint narrative:
The below inquiries appeared on my credit report but I did not authorize them to happen. I reached out to the police and they advised they no longer handle these issues and to contact the agencies. 

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 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 2023-06-13 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: FL

Complaint narrative:
Im having a major issue ever since XX/XX/2020 i have had issues due to credit breach i have ove 50 inquiry on my credit and it has ruined my life i have sent all credit bureaus the same letter i will be attaching XXXX has really made me feel anger they have now requested that i sed in my ID not once but multiple times im unable to obtain any credit or even get my car im a nurse and i turned in lease now im car less and this is my last report please help unfair unethical

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 2023-06-13 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: Affirm Holdings, Inc
State: LA

Complaint narrative:
Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 90 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 11 Payment Status : 90 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$93.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Account/paid satisfactorily Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : 14 Payment Status : Current Payment Status Date : XXXX Credit Limit : {$700.00} Current Balance : {$0.00} Highest Balance : {$170.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : N/A ( I never had this account ever ) They mailed me the card and I sent it right back AFFIRM INC Account Number : XXXX**** Account Type : Unsecured Loan Account Status : Paid account/was delinquent 60 days past due date Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Installment Months History : 13 Payment Status : 60 days past due Payment Status Date : XXXX Account Balance : {$0.00} Opening Balance : {$180.00} Payment : $ XXXX Past Due : {$0.00} Most Recent Payment : XXXX THER ACCOUNT WITH AFFIRM WERE ALL PAID IN FULL AND WERE ONLY LATE ONCE. I HAVE SPOKEN WITH SOMEONE FROM THE COMPANY THREE TIMES BECAUSE IT'S STILL SHOWING ON MY CREDIT REPORT DELIQUENT ACCOUT 60 AND 90 DAYS PASS DUE. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT. IT HAS BEEN THERE TO LONG AND IT'S AFFECTING MY SCORE. THE FAIR REPORTING CREDIT AGENCY INFORMED THAT THIS NEEDS TO BE RESOLVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: VA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I opened an account with Security Service Federal Credit Union for a credit card on XX/XX/XXXX this account was paid in full and closed on XX/XX/XXXX. It was closed in good standing with a balance owed of {$0.00} On XX/XX/XXXX Security Service federal Credit Union reported this credit card account ( # XXXX ) as XXXX days past due with a balance due of {XXXX I contacted Security Service on XX/XX/XXXX and was told to file a dispute with them via XXXX. I did so and received a letter stating they can not find this account in their system. I received XXXX letters stating this last week. 
Today, XX/XX/XXXX I have spent XXXX hours being transferred with representatives at Security Service Federal Credit Union and they still say they can not resolve and/or find this account. The account is showing derogatory and delinquent on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called Hilton to make a hotel reservation. During the call, a representative came on to ask if I wanted to sign up for a Hilton AMEX card. I explained that I really didn't need another AMEX card but they proceeded to explain that I would get XXXX Hilton rewards points if I was approved for the card and spent {$1000.00} in the first 3 months. I thought that was a pretty good offer so I accepted. I was approved for the card and I spent more than the designated amount well within the allotted time frame. I never received the bonus rewards. Since then I have made numerous calls to AMEX, spoke to numerous different representatives and supervisors and I am given a canned response of " I didn't qualify for the bonus '' but they can not and will not give me the reason why. They blame the third party at Hilton and Hilton blames AMEX. I explained that they are fraudulently luring customers under false pretenses and then not taking any responsibility. I asked them to listen to the recorded call and they refused. I feel I am entitled to this bonus as my credit was affected with the new card and will be again affected if I have to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies or engaged in any suspicious activities. 

I kindly request that PayPal re-investigate my case thoroughly and consider restoring my account if the mistake is indeed identified. I have been a loyal and responsible PayPal user for a significant period of time, and this limitation has caused me great inconvenience and distress. 

It is of utmost importance to me to resolve this matter promptly, as my PayPal account plays a vital role in my daily financial transactions. I rely on it for various personal and professional purposes, including online purchases and receiving payments. The permanent limitation has disrupted my ability to carry out these essential activities. 

I humbly request that you provide me with an opportunity to present any additional information or clarification that may aid in the investigation. I am confident that a careful review of my account activity will confirm my compliance with PayPal 's policies and the absence of any wrongdoing. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask for your understanding and assistance in resolving this matter promptly. Your reconsideration and subsequent restoration of my account would be greatly appreciated. 

Thank you for your attention to this urgent matter. I trust that PayPal will conduct a fair and thorough investigation to rectify this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
First I would like to say this company is the worst. My auto loan contract is extremely unethical, and fraudlent with excessive interest rates. At the end of my term I would have paid well over {XXXX for a {XXXX} vehicle. Moving forward, I was involved in a car accident, and my vehicle was deemed a total loss. The claim took several months for my payment. XXXX XXXX was aware of the total lost and received payment from the insurance company, along with a XXXX claim to cover the remaining balance. During the XXXX process, XXXX XXXX charged off my account and now I have a auto loan charge off on my credit report. My XXXX claim has sent in the payment, however XXXX XXXX is still showing a remaining balance of {XXXX}. I have the letters from my insurance company, with proof of payment and my XXXX claim showing the final cost covered for the car. XXXX XXXX has charged an excessive amount of interest and late fees during the XXXX claim. I am unable to purchase another vehicle due to the inconsistency reporting from XXXX XXXX, its affecting my life drastically. I should not owe anything especially if I had a XXXX claim with the insurance payment. XXXX XXXX has not even notified me when my account was charged off.

Company response to consumer: Closed with explanation