vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- XXXX -- XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- EQUIFAX -- XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Friday XX/XX/, I had applied for a loan to purchase a XXXX XXXX  through Synchrony Bank. I only filled out one application. The next day I got 4 hard inquiries when I should have only received one. I left the lady who called me during the credit application process at Synchrony and voicemail but did not receive a call back. I called XXXX XX/XX/XXXX  to notify them of this report, and they helped me with creating a file number under 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute

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 2023-10-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ygrene Energy Fund Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am the Successor Trustee of the XXXX XXXX XXXX XXXX of XXXX XXXX, deceased. XXXX XXXX contracted with a XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX to perform several projects at her home that were never done. XXXX was securing funds from a company called XXXX. The project file numbers with YGRENE # XXXX and XXXX. The XXXX projects total approximate $ XXXX and a special tax lien has been placed on the property. In researching the situation none of the repairs were done. I contacted XXXX asking for help in resolving the problem and was told that I needed to speak with the XXXX. I ask them to contact the XXXX with me on the phone. They couldn't and neither could I. Then they told me to get a copies of permits pulled to do the work from the city. I contacted the City of XXXX and was advised there were no permits pulled. I then asked for copies of the checks where the contractor was paid. They refused. in doing additional research I found that this is not uncommon for XXXX and that many customers have been scammed by this program. I have multiple emails and additional information available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
At XXXX EST on XX/XX/2023 I received an email saying : We need to speak with you about your Apple Card account. 

Be sure to call us at your earliest convenience. Call XXXX or click here to chat to contact us. 

I reached out immediately via the chat service and was told to reset my Apple ID password. I did as requested. After I did this, they forwarded me to another representative to " continue the process '', but I had to wait 1 hour for this next agent. The next agent told me the card was locked and under review, and that they would call me when the review was completed. They said they could not tell me why the account was locked, or how long the review would take. 

I reached out multiple times the next day and was told the same. I also tried calling and waited on hold for an hour before being told the same thing. 

There was no information provided to me about what could have caused this, how I could fix it, or how long it would take. 

My card has a balance on it, and I have auto pay set up. I asked if auto pay would still trigger even though I had no way to view my balance or submit a manual payment. They said they could not even provide me with that information. So for all I know, auto pay will still happen, or the balance will roll over and I'll owe interest payments. 

After searching online I found that this is a common problem. People report that once the account is locked for review, it could take weeks or even months to get it resolved, and there is no way to get any information about the process. 

My understanding is that Apple Card is managed by Goldman Sachs. I've had the card for years and been a member in good standing, never missing or even being late with a payment. 

I saw no suspicious charges on my account before it was locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Payment was mailed by check on XXXX deposited into a Capital One account on XXXX with my account reference number on the check. Payment not credited to my account. Interest and late fees occurring. No assistance from agents that answered the phone. Was not provided an email to send documentation of payment. Asked repeatedly for email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE BEEN FIGHTING WITH THIS COMPANY FOR YEARS FOR REPORTING FRAUD ON MY REPORT AND INCORRECT INFORMATION SINCE 2019

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IL

Complaint narrative:
The company incorrectly processed two of my payments. I made one payment for {$5000.00} and another one for {$8000.00} a few days later. They applied them to the exact same loans ( I had about 6 loans ). Now some of my loans are saying I have balances due, while others say I overpaid. The sum of the ones overpaid equals the sum of the ones that still have a balance due. Aka they should be fully paid off. Additionally, they also charged me interest for the remaining amount- even though I have paid this, it was just not processed correctly. I have tried emailing, chatting and calling them for the past two weeks. I have called and waited on hold for 5+ hours, and well as requesting callbacks. I have gotten NO contact from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NATIONAL DEBT RELIEF LLC
State: SC

Complaint narrative:
A few days ago I received an email from a XXXX with a debt collection company called National Debt Relief , LLC. It stated that I had a past due amount of {$1800.00} with the loan business XXXX XXXX and that it was a final attempt to collect the debt. I did recall using XXXX XXXX back in XXXX  and to my knowledge had completely payed off the loan. They also threatened to inform my employer, take legal actions and to charge me {$4600.00} if I didn't accept one of their 3 payment options. 
At that time I began looking into it because at a first glance it looked to be a legitimate email from an attorney and legislator. Even using the XXXX XXXX logo header. 
So I did some searching around and saw that XXXX XXXX is an XXXX Texas congressional representative and there is a National Debt Relief but it's in New York. Also the other attorneys I was told to contact XXXX XXXX and XXXX XXXX appear to both practice law but one in South Carolina and the other in California. 
That's when it became obvious what it really was. 
So I called the business directly where I had gotten the loan from and they assured me I was in the clear and had made all my payments on time and had satisfied the loan years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX have 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

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
During several months in 2022, I have contacted the credit reporting agencies with various inaccuracies on my credit file. The agencies have not resolved the errors at all and just list erroneous comments that should all be removed. 
. 
In accordance with the fair credit reporting act the following companies have violated my rights by listing multiple inaccuracies on my credit file : XXXX XXXX XXXXXXXX XXXX ( account # XXXX ) - Is listed on my credit without my consent. Service was never rendered and equipment returned. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) - The status is not derogatory and comments are inaccurate and should be removed. This account was sold to another lender. 
XXXX ( account # XXXX ) - The open account dates are inaccurate. The account was closed. The status and comments are inaccurate and should be removed. 
XXXX XXXX ( account # XXXX ) The status and comments are inaccurate and should be removed. The car was returned and no balance is due. This finance company is involved in predatory practices and engages in constant harrassment. I was listed as a cosigner without my knowledge. 
XXXXXXXX XXXX  ( account # XXXX ) - The status and comments are inaccurate and should be removed. This XXXX XXXX has another name listed on the account. This financial institution engages in constant harrassment tactics. 
. 
One or more of the following FCRA laws have been violated : >> 15 USC 1681 section 602-A states that I have the right to privacy.

.

>> 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

.

>> 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 
. 
>> One one address should be listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ).

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The following credit card accounts currently listed and showing on my Experian and XXXX credit report is showing the accounts are open and the accounts supposed to currently be closed credit card accounts : XXXX XXXX XXXX XXXX XXXX {$380.00}, XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXX XXXX {$110.00} and XXXX XXXX XXXX, {$390.00} XXXX The credit card accounts are suppose to be closed accounts with a balance of {$0.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a XXXX XXXX position on XXXX, believing it to be a legitimate job opportunity. After the interview, I received an offer letter and completed a W-4 tax form. Subsequently, " XXXX XXXX '' ( XXXX ) sent me a check for {$4900.00} to cover the costs of purchasing work-from-home equipment, including a computer, printer, fax, and software. I deposited this check into my Wells Fargo account on XX/XX/XXXX. The next day, on XX/XX/XXXX, I transferred {$1500.00} via XXXX XXXX to XXXX XXXX for the intended equipment purchase. Later, Wells Fargo informed me that the deposited check was fraudulent. Despite the initial appearance of the funds in my account, I now find myself owing Wells Fargo {$1500.00} due to this transaction. I've explained to Wells Fargo that I was scammed, but they insist it was my fault and are unwilling to work with me or help me retrieve the money. This situation feels deeply unjust, as I had relied on the funds being genuine. While I may have found information about XXXX XXXX online, I am hesitant to reach out directly. Therefore, I am reaching out to Consumer Finance in the hopes of resolving this issue and having the {$1500.00} returned to my account, which is currently overdrawn. I have attached the following documents for your reference : - My conversation with the scammer in a PDF.

- Their XXXX XXXX information. 
- The offer letter that I signed. 
- The completed W-4 form. 

Below is the possible information for XXXX XXXX : Name : XXXX XXXX XXXX Age : XXXX Phone Number : ( XXXX ) XXXX Email : XXXX Current Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has repeatedly published a disputed account on my credit report that adversely affected my credit report. The dispute was due to a fraudulent charge that the credit card company had mistakenly removed then re-added to my credit card multiple times even though it has been resolved in my favor. The dispute center says to file a dispute online, but does NOT allow the option of disputing the same account, even though it says it has been resolved on Equifax and there is NO documentation or investigation results available on Equifax, nor is there anywhere to submit the documentation that says the account is resolved and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
There is a fraudulent charge on my debit card from XXXX for {$950.00} on XX/XX/XXXX in Arizona. I called Regions Bank to have the transaction disputed. The claim keeps getting denied because they say it was a contactless authorized purchase. The card has never left my possession. I dont use e-wallets or have recurring charges on this account. All purchases on this account have only been made in Florida, specifically in XXXX and XXXX. There are no out-of-state charges on this account and I have not traveled out of Florida since the pandemic XXXX in XXXX. 
The bank can not give me any information on the TMII. They can not tell me what was purchased, or if a pin or signature was used. They told me they could not give me the information they used to determine this case. 
You can not escalate the call for any additional help. They can not give out information on corporate address, manager/supervisor names, departments, or even the phone numbers they are transferring you to before you get disconnected. 
I did not make this purchase. I want my money credited to my account.

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 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I corresponded with ALLIED COLLECTION SERVICE on XX/XX/, by notarized letter, advising ALLIED I would agree to pay any debt I lawfully owe on condition ALLIED provide the following in writing : validation of " debt '', actual accounting, verification of this " debt '', a signed Invoice, ALLIED 's claim against myself and the contract binding ALLIED and myself. I corresponded with a follow-up notarized letter on XX/XX/, requesting the same information to no avail violating 15 U.S.C. 1692 ( g ). Given the fact Allied has never responded to me and/or furnaced my requested information well over the mandatory thirty-day time period, this " debt '' should be removed from my XXXX and XXXX XXXX XXXX with positive point increases to my FICO scores. XXXX has removed this " debt '' from my Credit Report however no positive point increase on Credit FICO score. Also, ALLIED has repeatedly contacted my mother, father and sister violating 15 U.S.C. 1692 ( c ).

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : 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

Company response to consumer: Closed with non-monetary relief