vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: MI

Complaint narrative:
Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TX

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
A checking account at TD bank was Fraudulently opened in my name. 

The account # XXXX Tel XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: Possible Financial Inc
State: TX

Complaint narrative:
Account : POSSIBLEFINA ( XXXX ) Date Opened : XX/XX/2020 Balance : XXXX This account is deferred or in forbearance, please remove it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I sent a certified letter in XX/XX/2021 for {$1400.00} for a debt validation of original documents. The company did not send the original documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WV

Complaint narrative:
My name is XXXX XXXX XXXX my problem is with chime banking in regards to an account that they closed out for no underline reason of my fault, in a nut shell this is what has happened I used my card for a XXXX dollar seven day free trial from the companies of XXXX XXXXXXXX and XXXX in XXXX of XXXX I did not authorize any other transactions from them but they chose to take money from my account for 14 transactions of {$23.00} from XXXX which four were refunded and this company is/was trying to refund the other transactions for the total amount of XXXX conformation number is XXXX. And for the company XXXX there was a total amount of 28 transactions taken off my account for {$28.00} per transaction they refunded eight transactions and is trying to refund the rest of the 20 transactions of {$28.00} times 20. The two account numbers are for the first account is XXXX conformation number is XXXX and the second account number is XXXX with the conformation number being XXXX. I also had refunds coming to the account from XXXX for {$59.00} transaction number XXXX. So back to what happened to this point in XXXX of XXXX I was incarcerated ( which I proved where and who I am to chime and these companies ) but I was locked up from XXXX of XXXX until XXXX of XXXX at this time I regained access to my account and realized what was happening and reported it to chime at that point they stopped my card and issued a temporary card. This stopped the companies from refunding the money. I then called chime again and let them know they were trying to send the refunds. Chime then allowed some refunds and stopped the rest. I put in a rebuttal they again refused. And shut down my account stopping me from accessing my account and any thing pertaining to it dates transaction history and the money that was in my account. Which cost me more money. And time aggravation. These transactions were unauthorized and adds up to be a lot of money that I acquired. These companies can not refund the money until chime allows it. Because it is linked to that account. At first I just wanted the money that is mine back but now that I have had to spend more money and time because of there lack of business ethics and laziness I wish to push back and harder to prevent this from happening to any one else and for my time money and aggravation. What they are doing is wrong and robbery. I was locked out of my account money held and done wrong for someone elses wrong doings. Please help me resolve this matter and stop it from happening to anyone else... if any information is needed I can be contacted at XXXX thank you and please help the last four numbers of my ss # is XXXX born in XX/XX/XXXX again ty

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have encountered what looks like a deceptive practice in how TD Bank runs a 0 % promotional interest rate for new purchases. The statement does not include info about the promotional rate or indicate when the rate actually ends. My request to TD bank for this information did not produce a full answer, and I ended up being charged some interest I was not expecting to be charged. The statements include an " IMPORTANT MESSAGE '' at the bottom of the first page, but it refers to a section of the payment information block that doesn't exist. All in all, I think this is rather deceptive. I wound up being charged {$51.00} in interest that I think was not properly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: MN

Complaint narrative:
I plead " NO CONTEST '' and the disposition says " GUILTY '' and I want it changed to " NO CONTEST '' like it says in the actual original record. 

Here is the link : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Guilty Due to No Contest Plea '' is what is says but I plead NO CONTEST because they did not allow me to take my case to trial or have legal representation. 

If you would like to further discuss the matters please contact me at XXXX. 

1. I was forced to choose between legal representation or no trial. 
2. My Attorney tried to quit XXXX month before trial you can see I was going. 
3. Judge would not allow me to fire my attorney before he wanted to quit.

4. I could not afford a private attorney.

5. All last minute.

6. I could not have a new attorney assigned to me until the old one was off my case.

7. This was not an armed robbery by definition.

8. This was an inside job.

9. Injustice happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NJ

Complaint narrative:
I have contacted XXXX and complained about a fraudulent account appearing on my credit report ( Capital One Bank Credit card ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the XXXX bureaus, XXXX and XXXX were able to validate my claim and remove fraudelent account. XXXX is the only one that has yet to remove the fraudelent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. My information was breached in the XXXX XXXX, XXXX and Capital One Breach. 
This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue. The account is Capital One business card which I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-04 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: FL

Complaint narrative:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: LA

Complaint narrative:
Experian will not update my new address I mailed in with my license and deleted my old address I need the follow address removed not accurate because I no longer live there, not reachable there and want to prevent identity theft 1. XXXX XXXX XXXX XXXX la XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX la XXXX 3. XXXX XXXXXXXX XXXX XXXX la 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 2022-03-04 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: MA

Complaint narrative:
Date Last Active on XXXX XXXX XXXX XXXX account XXXX is being inconsistent reported on my credit report. 
XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. Experian how can you verify that this account is being reported accurately when the Date Last Active is still and continuing to report inconsistent. This information is coming from the same furnisher and should be the exact same for all three reporting agencies. Delete this account because of inconsistent reporting. Under section 15 USC 1681 S-2 you are prohibited by law the reporting of inconsistent and inaccurate information. This account is clearly being reported inconsistent. Delete account because of inconsistent reporting. Experian states that they cant view any support documentation that I provide. How can Experian conduct a proper investigation if they cant review the supporting documentation for my dispute. I am again attaching proof support documentation directly from the credit report showing the inconsistent reporting for CFPB review for my dispute. Also I am attaching a copy of my dispute letter I certified mailed to Experian. CFPB I ask that you hold Experian accountable for not uphold the law.

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 2022-03-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On the evening of Friday XX/XX/XXXX fraudulent charges totaling {$7300.00} were made on my Apple Card issued by XXXX XXXX. This was part of a larger identity theft that impacted my XXXX card, a business XXXX XXXX card, two XXXX Bank credit cards and two XXXX Bank checking accounts plus stole all of my Apple Cash. 

All of these other accounts quickly and efficiently closed accounts, blocked fraudulent charges and were a pleasure to work with. 

Not so Apple Card. 

I contacted Apple Card customer service twice on Saturday XX/XX/XXXX. The customer service person said the XXXX XXXX XXXX department was already involved and that my account would be locked and closed. They promised someone would get back to me. 

After not hearing anything I called again on XX/XX/XXXX. I was told that a problem had occurred but this time they would mark the transactions as fraud and get back to me. 

Again there was no contact and another call was made on XX/XX/2022. The customer service person my wife and I talked to today was very helpful but we were surprised to find that apparently none of the charges were flagged as fraudulent despite having called into Apple Card support multiple times in XXXX. 

At this time I read the fine print on my statement and sent a certified letter contesting the charges as fraudulent and demanding the account be closed. I have tracking proof of delivery from US Postal Service that this letter was delivered on XX/XX/2022. 

Nothing happened. 

Also on XX/XX/2022 I mailed a separate letter with a check for {$420.00} which covered my legitimate charges for the month of XXXX. That check was promptly cashed. 

Apple Card is now trying to bill us for the {$7300.00} in fraudulent charges claiming they have no record of multiple phone calls and a certified letter. We have talked to them every day so far in XXXX with no change and every person we talk to says they see no record of us ever having called. 

In the attached statement every charge after the {$26.00} at XXXX XXXX XXXX is fraudulent and was not made by me or any other authorized user.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX from XXXX XXXX in which I had signed the paperwork for a XXXX percent rate the Assist Manage had me sign two separate contracts one with XXXX Bank the other with Bank of America. I reached out to XXXXt XXXX concerning the mistake I was then told by the General Manager XXXX People want something for nothing theyve never tried to correct there mistakes then have only slandered me and stringed me along for there mistakes I have contacted them almost six months straight without them doing anything to resolve the issues. 
I have a clean title from XXXX Bank indicating that my XXXX XXXX XXXX. Then I am being billed from Bank of America for the same vehicle I was supposed to receive a rate of XXXX where I was lied to by XXXX  XXXX now I have also been in contact with XXXX XXXX where I am being further lied too I dont feel that I should be paying a Car Note to somewhere that I have a clean title for I have been insulted totally disrespected treated like thrash without any type of dignity and respect I honestly feel like they should correct there mistakes and I should not pay another Car Note until it is corrected I honestly dont owe Bank of America anything if the title is free and clear I have tried to rectify this situation by myself for the last six months this has cause an enormous amount of stress as well as aggravation I have contacted three different companies for six months and no one wants to straighten this matter out yet according to the Secretary of State in Michigan I own the vehicle Free and Clear

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 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
I received 3 debt collection notices in the mail from Sequium Asset Solutions stating that I owed XXXX XXXX {$42.00} on each of three " sub-accounts '' for a total of {$120.00}. My existing service with XXXX includes 8 devices all of which are under the main account which is current and makes direct withdrawals from my bank account, with no late payments or insufficient funds events. 
I have called XXXX or Sequium about this issue at least 4 times and most recently spent almost 2 hours on the phone ( I was transferred to at least 8 different reps ) where I discovered the following : - Recovery Department seemed like they were going to help me and transferred me to the Fraud Department to " investigate ''. 
- XXXX with the fraud department confirmed with me that this was a " XXXX XXXX '' and referred me back to recovery to correct the situation. 
- The recovery department has refused to help me and has referred me back to the debt collector. 
- The debt collector has said I need to resolve the dispute by paying them or going back to XXXX to address. 

Upon researching this issue it seems like it has occurred in the past and continues to occur on a regular basis to new customers.It seems to be a great case for a class-action lawsuit.

Company response to consumer: Closed with explanation