vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I opened 5 new lines with XXXX XXXX in XX/XX/2022. 2 days later 3/5 lines were cancelled online from XXXX and 2 phones were sent. I called and cancelled the 2 remaining lines and asked for a return receipt. I spoke to 15 different representatives over the phone and no one was able to send what I needed but they cancelled the accounts. Once I receive the labels I tracked the package both phones were returned. I then received a bill for over a {$1000.00} for services I never received. I have tried to contact XXXX nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi d.o.b XX/XX/XXXX was awarded {$370000.00} by settlement and montary aberrations for a auto accident that occurred XX/XX/XXXX at XXXX in the county of XXXX in the city of XXXX and the late XXXX XXXX XXXX was my attorney and my money was in the Clint trust of the law office of XXXX XXXX XXXX and the appointed receiver XXXX XXXX XXXX of XXXX Detroit after I came fourth in a timely manner and claimed my trust that was remaining gave me only small amounts a few times after giving me a hard time and I had to go back and fourth numerous times has denied me all of my untitled remaining sum the bank was chase and XXXX  branch was of or XXXX XXXX XXXX Michigan he still to this point in time is denying me my money and I have informed all of XXXX as well I have many witnesses who I brought with me in person to my defense please contact me at your up most earliest of a convenient availability thanks you for your timer With desperation XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America was letting recurring monthly charges of XXXX?? go to my credit card. When I received a statement in the mail, I discovered it. I tried to log into my online account but had been locked out several months prior due to suspicious activity. I called and reported fraud. They removed the charges and reimbursed me the XXXX per month I had been paying. I later received a letter that the charges were mine. I disputed it again, and again they said the charges were mine. When I talked to the IT department, trying to get back into my account, I asked him : If these charges were suspicious enough to lock me out of my online account, why were they allowed to continue letting the charges go through every month? He said they were " separate departments. '' While I was on my online account, a new phone number had been added ( during the time I was locked out ) and a new zip code had been added to my address, which was a XXXX XXXX XXXX Bank of America said that it would show in my credit report that I dispute this. I just received a letter from XXXX XXXX, XXXX. I called them and spoke to XXXX XXXX who transferred me to his XXXX, XXXX XXXX, I explained the situation to him, and his reply was there is nothing he can do about it. The total debt is XXXX, and it is not mine

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors Exquifax, XXXX, and XXXX are violating my rights under 15 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors XXXX, Experian, and XXXX are violating my rights under 15 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX and XXXX. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX  Unlocked : Access granted XX/XX/23 XXXX XXXX  ... XX/XX/23 XXXX : Access granted TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX granted CONSUMER XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX XXXX Inquiry XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
My account was hacked on XX/XX/14 two different transactions and I disputed the transactions and they keep denying them who ever hacked my account changed all of my information and started sending money to different places. I have disputed this 9 times and they are refusing to give me what was taking from me. The bank was chime I have all the screenshots from the situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account XXXX XXXX  is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. XXXX and Oportun progreso. They need ti be updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: OneMain Finance Corporation
State: CA

Complaint narrative:
This account XXXX XXXX is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. OneMain and XXXX XXXX. They need ti be updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Company was contacted about statement balances that keep showing up every month. 
On the Bank app the balances are off from the balances they are reporting on my statement. 
I have been paying my balance down to XXXX according to what the apps says I owe. 
My XXXX balance is never shown on the statement. 
Instead they/ their system delays the payments pending for days to allow a balance to show on my statement. 
On Monday XX/XX/XXXX i spoke to a supervisor that looked over the XXXX balance and assured me that he saw I had already made the payment on XXXX which brought my balance to XXXX. He told me that at XXXX on XX/XX/XXXX the XXXX balance would report on my XX/XX/XXXX statement. Instead, on XX/XX/XXXX there was a new balance as if I had never paid my account down to XXXX. The company is also able to add interest to a balance. 
As a result of the delay in their system as of XXXX my account is over in payments because their system never shows the real amount you owe. 
Even tho i pay the balance down to XXXX they always post a balance. Yet my statement balance is {$120.00}. 
I've spoken to XXXX, XXXX, XXXX, and several others to have this investigated. XXXX refused to escalate for an investigation. They have stated that their system delays real time payments up to 5 business days. 
I am only allowed to pay down what the system says i owe. Their system lags/delays and does not reflect what is reported on my statements. My account was paid down to XXXX XXXX This type of reporting to the credit reporting agencies has reflected my utilization and drags my credit scores.This is defamation of my character. A furnisher has a duty to report accurate complete information. This information they are reporting is iinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Merchants Acceptance Corp
State: FL

Complaint narrative:
I have disputed with the three major bureaus multiple times about this account reporting on my consumer file ( MERCHANTS ACCEPTANCE CORP ACCOUNT # XXXX ) this account continues to come back as verified and i have yet to receive any proof of validation of this debt. On my consumer file the alleged debt is showing as charged off since XX/XX/XXXX, however the balance continues to increase and decrease, the status continues to change, and it is reporting as open. By law this is inaccurate reporting to my consumer file and has been going on for months now. also listed on the account is a comment from the furnisher stating that, ( CREDITOR CAN NOT LOCATE INDIVIDUAL. {$1400.00} WRITTEN OFF. {$2100.00} PAST DUE AS OF XXXX XXXX. ) How is it possible for me to still be accumulating debt on a written off account? I have yet to receive any mail from this company stating proof of claim, I do not have a contract with this company and have not been provided with proof that I do. I have attached the most recent changes as proof to the changes being made on my consumer file with this company. This inaccurate non validated account is affecting my creditworthiness and ability to provide more for my family when i apply for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
I getting sick and tried of them keep call me all day and include the weekends about a payment, which it comes out my bank account, If they keep calling I will have their number block and file a complaint to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX of XXXX, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: SC

Complaint narrative:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12 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: SC

Complaint narrative:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a XXXX payment for landscaping work and got scammed. There was no show and I have contacted the person with no response. The date of the XXXX payment was XX/XX/2023, the day of the service was scheduled also for XX/XX/2023. The amount was for {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
On XXXX I received a notification from XXXX that Credit Management LP flagged my account as Collections. The company that claims the debt is XXXX. After calling Credit Management LP and XXXX I learned that someone opened an account under my name for service at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX on XX/XX/XXXX. The amount of the debt is {$2300.00} I have lived in XXXX for more than 15 years, I bought the house I live in XX/XX/XXXX and have never lived in XXXX. 
I made an ID theft report to the XXXX Police department, report number XXXX. I also sent a report to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX and Equifax have incorrect amounts, that are and have been paid in full, on my credit report. XXXX and Equifax have been notified of the inaccurate information at least 4 times for the XXXX collections account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX collections, after paying off the account over 45 days ago, XXXX duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. XXXX removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX Collections account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that XXXX could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies XXXX taking on average of over 4 months to correct inaccurate information. This in no way justifier XXXX purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that XXXX and Equifax are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If XXXX and Equifax have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are XXXX and Equifax currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On XX/XX/XXXX. I noticed that my bank account was suddenly at {$0.00}. Checked my transactions and noticed there was a debit with a legal lts attached. I was given the number to call and come to find out that my account was garnished and got a freeze put on my account from a debt collector. The debt was from XXXX from XXXX XXXX. Is there anything I can do to get this fixed?

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have a credit card with Santander Bank. I have never used it for purchases. However I have used it twice to transfer balances from other cards onto 0 % promotions. When I applied for these I assumed when making payments that my payments would be applied in such a fashion that the promo expiring first would be paid off first. One balance expires in XX/XX/2023 and the other in XX/XX/2023. However, they are applying my payments " however they see fit '' according to the many employees I have spoken with. Making it so that I can essentially never pay off the first balance and in XXXX they will apply full interest to it. This seems illegal and unfair. Why would I pay the amount needed to pay off that first balance but never be able to pay it off? Why would I make all these payments only to pay interest in the end? On top of the hefty transfer fee they charge up front. I have spoken to at least 6 people there including supervisors who tell me it is what it is. So how can I pay this off an avoid interest? Nobody can tell me that. I will have to file bankruptcy if they apply interest to this after I have paid all this money.

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 2023-04-12 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-12 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: SC

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT. I SENT THE PROPER REPORT AND INFORMATION TO TRANSUNION, XXXX AND XXXX. THEY FAILED TO REMOVE ALL OF THE FRAUDULENT INFORMATION THAT WAS ON MY 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 non-monetary relief