vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I purchased a XXXX XXXX bag ( XXXX ) from XXXX XXXX with my chase credit card for {$1000.00}, on XX/XX/2023 and received on XX/XX/2023, but later found out the bag is counterfeit ( verified by Real Authentication ). Because the merchant refused to refund me and accept the return, I filed a dispute with chase, and submitted all the evidence they required, I am honest and is sure my evidence is sufficient, but they keep denying my dispute. They denied my dispute again on XX/XX/XXXX, stating no billing error found. I have asked Chase to reopen the case. 

I think it is so unacceptable, the credit card is meant for protection the consumer not the fraudulent merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to the credit bureaus regarding 3 debt collectors ( XXXX XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

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 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is not allowing any of my lenders to access my credit report after multiple attempts exhausted trying to fix the issue. I am at a standstill. It is also not reporting all of my credit accounts. This needs to be fixed asap to allow my lenders access.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at annualcreditreport.com and all three credit reporting companies, XXXX, transunion, and XXXX  claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what annualcreditreport.com is for. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at XXXX and all three credit reporting companies, XXXX, XXXX, and experian claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what XXXX is for. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
My complaint is against Fidelity Properties. They placed a Derogatory Comment on my Credit Report. They stated that they have been trying to collect/contact me about a bill with XXXX XXXX XXXX XX/XX/XXXX. 

I have never received any communication ( written or oral ) from Fidelity Properties about this matter. I have Informed Delivery from the USPS and have never received any communication from Fidelity via the USPS. 

I wrote to Fidelity on XXXX XX/XX/XXXX inquiring about the bill that they mention on my Credit Report ( Account # : XXXX in the amount of {$2700.00} ). They responded about another Account # and bill amount. Not the one that's on my Credit Report. 

I asked them to show me proof of the bills that they supposedly sent to me. They failed to show such proof. 

In additional info on this XXXX XXXX. I have never received a bill from XXXX XXXX. 
I have been trying to get them to send me one since XX/XX/XXXX. 

I have sent them countless emails, called them and even wrote them. XXXX failed to send me a bill. 
I even worked with the XXXX XXXX XXXX for 2 months to try to get XXXX to send me a bill. All they did was send the XXXX and I in circles. The XXXX closed the account due to XXXX 's negligence to resolve the matter. 

I do have two written documentations ( I can send these to you upon request ) from XXXX admitting to me that they sent my bills to an incorrect address. 

Due to XXXX 's negligence, I was placed in Collections falsely. 

I am more than willing to work with Fidelity to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had a Advance Tiered Checking Account ending in ( XXXX ) with Bank of America ( BofA ) for over 20 years. On XX/XX/2023, I was notified by BofA that there was potentially fraudulent activity on the account. They inquired if I had opened two new savings accounts using the XXXX funds. I replied that I had not. 

However, when I accessed my account online, there were XXXX savings accounts opened which I had no knowledge of, both funded with my XXXX funds in the amount of {$20000.00} ( {$40000.00} total ). 

I was directed by BofA fraudulent. division to go to the nearest BofA branch, present two forms of photo ID to begin to get this straightened out. 

My wife and I are the two exclusive account holders. We both went to the BofA branch, as directed on XX/XX/2023, identified ourselves as directed, as was assured by the branch that they would look into it for resolution in a timely manner. 

We were asked to check back in with them on XX/XX/XXXX, and we did so. We were told that the matter was being investigated, and the standard timeframe for resolution is 30-60 days. 

Meanwhile we have absolutely no access to our ( supposedly liquid ) funds. 

This places a financial burden on our family, and is detrimental to our, all important, FICO score. 

There is no understandable reason that the funds WE DEPOSITED, and we have proven ourselves as the legitimate account holders should be deprived OUR OWN funds because of obvious fraudulent activity. 

We are being financially impacted due to loss of access to our ONLY source of liquid funds, and consequently we feel BofA should provide compensation. 

We are sophisticated enough to understand the potential capitol to be made using these funds and the overnight exchange rate. 

Please expedite this resolution tor us to curtail our financial bleeding.

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 monetary relief
Consumer complaint received 2023-07-23 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: TX

Complaint narrative:
XXXXXXXX XXXX has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.

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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, FS Genesis Card Services issued a system generated replacement credit card ending in XXXX. When I XXXX XXXX called in to speak with an agent, I was told that t6he system generated the card on XX/XX/XXXX. On XX/XX/XXXX, I called back after speaking with the post office being told that the piece of mail had not been received by the USPS. I was then told by FS Genesis that I would have to wait 2 more weeks and being frustrated with me the agent hung up on me. I called back and XXXX, another agent told me that the first card was never sent due to a system error. He told me that a new card had been reissued on XX/XX/XXXX. He proceeded to tell me that as it is only 5 days from that date, that I would have to wait a full 7 to 14 days to receive the card. The issue that I was told that prevented the card from being shipped after the final call on the XXXX of XXXX was that FS genesis card services was short on card plastic. Prior to this, all agents were telling me that the cards were in the mail already and that I would have to continue to wait for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am sending them money, but they are not processing it or applying it to my account, they will not acknowledge the payments. They are more than happy to report to all the bureaus ( Fraudulently ) that the account has not been paid saying it is a charge off when it is not because they have the money. I have proof that they received the funds from money gram ( which they are not acknowledging or processing ) they are lying about they day they closed or charged off the account because they mailed me a letter on XX/XX/2023 requesting a payment which I sent. They blocked me to my online account months ago so I can not see what they are doing with my account or how they are applying my funds. My bank confirmed they cashed the cashiers check the DAY AFTER they received it which is XX/XX/XXXX, XXXX but have not applied it to my account. I have confirmation from XXXX that the money was sent, but they have not processed it so another {$400.00} is sitting waiting for them to process it ( which was sent back in XX/XX/2023. I want the funds ( now {$3400.00} ) applied to my account, and the charge off removed- including removed from all credit bureaus but instead to reflect it is paid in full and I want my XXXX released to me, and my title sent to me. I am retaining a lawyer and my next complaint is to the US Attorneys Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My bank account woth welfargo was closed they had charged me with well over XXXX in return check charges and overdraft fees when the transactions were already cleared out of pending they would put them back in pending and move the transactions around to delay the processing so if I was XXXX penny sort it shouldn't of allowed the debit to go there instead they allowed it and charged me thousands of dollars I even went and took photos once I realized when was going on and I complained with them but they said no im wrong.

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 2023-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
After the fact, my findings reveal that I have been scammed in a " Pig Butchering Scam ''. 
Someone reached out to me from a strange number ( XXXX XXXX ) on XXXX XXXX asking if I'm coming for a party. I responded politely that it's wrong number, and then this person who calls herself XXXX ( now I know everything is fake ) struck up a conversation and quickly wanted to move the conversation to XXXX XXXX She gave XXXX as her XXXX number and connected me on XXXX. 
About a week into the conversations she started telling me how she makes money from XXXX XXXX and if I'll be interested. I said I don't do XXXX XXXX because I don't understand the algorithm. She ( maybe He, we can't even be sure ) promised to guide me step by step on how to invest. She asked that I download XXXX app and then XXXX XXXX for trading. 
Over the period of four months, I've invested {$20000.00}, but when the time came for me to withdraw the money with the profits, my XXXX account was XXXX. But the XXXX app is still working. 
So I made a complaint to my bank that I was scammed and that the bank should investigate the transaction and help me recover my funds. I told my bank that all XXXX transactions in my checking account are fraud. But my bank has been unable to do anything to help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC is not owed. If they purchased it. They cant sell my information without written consent under 15 USC 1681. Tey also do under the name Resurgent I have written them several letters to verify debt. Please remove both entries on my credit report on all e Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EdFinancial Services
State: PR

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay XXXX payments of {$390.00} and {$72.00} each month for XXXX months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XXXX XX/XX/2023 I tried TWICE to get my free online credit reports at XXXX and all three credit reporting companies, equifax, XXXX, and XXXX claimed an error or problem and denied giving me my report. All the information that I carefully entered was entirely correct and this used to work before with the same personal information, so the problem must be on their end. It is not acceptable to have to send snail mail or call each credit reporting agency since that is what XXXX is for. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I received an email from XXXX informing me that they had lowered my credit score by XXXX points. When reviewing the alert, I found that on XX/XX/2023, FACTUAL DATA, XXXX XXXX XXXX XXXX, GA, XXXX, I passed my credit twice, one by XXXX and the other by XXXX for said score, a fact that I do not recognize or authorize under any circumstances and I do not know said company and its origin, for which I consider a fraud for myself, considerably affecting my score credit, which I manage correctly and satisfactorily. 
I took the action of calling XXXX by phone to notify said fraud to which they told me to contact FACTUAL DATA, to directly solve this situation with them, which I did not achieve because they did not attend me. Then I called XXXX again and they told me to file the fraud complaint with you, and then send them proof of the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Company : Credit Karma, receiving calls for another financial institutions, without my consent Wrong credit report, i wasnot approved for a credit card that was saying high % of approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A capitol one XXXX savings account was opened under my name and ssn fraudulently. I contacted them regarding having the account frozen and closed and to report the fraud. I was supposed to receive a call with the department to rectify this and I have not. I have never had any accounts with Capitol One nor am I trying to open any new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received a letter in the mail regarding a collections debt to XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX so I called them to ask why I was receiving this letter. They told me not to worry since the account opened had an address I have never been a resident of and that it should clear up by itself. This was not the case, because a few days ago on XX/XX/XXXX, I was checking my credit and noticed my excellent credit was now fair because there was a derogatory mark against me due to a collection for {$310.00} owed to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was on the phone with XXXX different people who kept transferring me to different departments. Finally, I reached a XXXX person who gave me the street name and the account # that was opened fraudulently in my name, and advised me to go to XXXX. I went to the website and was then sent an email giving me 21 days to fax or mail them proof of identity and proof of residency during the time of this account being opened. The paperwork is very confusing and I am trying to figure it out with help from others. I am in the process of going to the police to file a report and faxing the documents they are asking for. I also contacted XXXX and they said that they need paperwork from XXXX XXXX XXXX stating that the account in question was not mine, before they clear the collection from 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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
Someone tried to open up a credit card in my name with truist bank. We called the bank to let them know. And they referred us to this form. 
The credit card application was denied, but we wanted to make them aware that we did not attempt to open.

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