vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: TX

Complaint narrative:
I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXX 's system. XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto XXXXXXXX XXXX system. XXXX says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with XXXX, nor is XXXX in my contract. XXXX is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. XXXX was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with XXXX therefore I have no account with them. XXXX refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with carvana contains no assignments and the consumer claim post is printed with additional endorsements,

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 2023-04-04 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I Purchased a car with XXXX XXXX. During the purchase they used a Voluntary ach payment form and an email deceptively ( 15 USC 1692j ) to on board me onto Bridgecrest 's system. Bridgecrest says that when you use their system you are obligated to the debt of the account. I paid via ACH {$12000.00} by this deception. 
( attached is an affidavit by another agency showing how this deception works ) I have no contract with Bridgecrest, nor is bridgecrest in my contract. Bridgecrest is the servicer for the securities created by XXXX XXXX XXXX XXXX. They have my car listed in XXXX XXXX XXXX XXXX XXXX under asset Number XXXX. These securities were never disclosed to me during the loan/contract process. 

I revoked the given security interest and sent them a cease and desist. Bridgecrest was never authorized to report to credit bureau nor use my Social Security Number at all. This company is reporting under 2 different names and are decimating my credit. I have filed disputes, provided evidence that I have no contract with bridgecrest therefore I have no account with them. Bridgecrest refuses to send any billing statement by mail even after requesting all communication by mail. 

The contract with XXXX  contains no assignments and the consumer claim post is printed with additional endorsements,

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 2023-04-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment on the XXXX of XXXX and I still have no available credit update as of the XXXX of XXXX so I call in and they tell me again for the third time historically in the existence of my account being open for 6+ months that my money will be in hold for a month until they release it. Like how I said this is the third time they have some this with no warning and holding funds for months collectively. I need this problem solved and my money released within the 1-3 day credit update time frame posted available credit within the 1-3 day time frame from fund extraction date posted and clear answers in written form per policy that is accessable and observable on the consumers side to better help me understand and avoid this financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/23 Capital One approved my card application, but refused to accept my data, denying me access to online login, leading me to believe my data was mishandled. 
Close account immediately as card never received nor activated. XXXX XXXX

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/2023, I took a deposit totaling {$2400.00} to US Bank. 
The teller incorrectly entered this deposit as {$3400.00}. 
My bank account was credited an extra {$1000.00} when it should not have been. 
Someone who wrote me a check has their bank account overdrawn because US Bank withdrew an extra {$1000.00} from their account. 
US Bank was notified by me of this error on XX/XX/XXXX ( the following day ). 
XXXX promised it would be corrected " as soon as they figured out how to fix it. '' Three business days later, nothing had changed. 
On XX/XX/XXXX, I spoke with XXXX at US Bank. He promised that it would be corrected by XX/XX/XXXX. It is now XX/XX/XXXX and it still has not been corrected. It is over a week that US Bank withdrew an extra {$1000.00} from someone's account illegally.

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 2023-04-04 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: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The company IC Systems at XXXX keeps reporting a debt that i am not aware of but have currently found it came from XXXX. I currently have a current account with XXXX in great standing. Not sure where this comes from.

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 2023-04-04 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: Experian Information Solutions Inc.
State: NY

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 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods 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 and all information related in this matter. 

The fraudulent accounts are as follows: 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 2023-04-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Select Portfolio Services ( SPS ) and ( SPS ) thru XXXX, XXXXXXXX XXXX  and possibly XXXX  are buring me in mortgage processing payment increases year after year..I paid their ridiculous amount, now think being transfered to SLS, XXXX XXXX reporting updates untrue/crashing credit so can not refinance and XXXX never gave me a contract and wrote a fake cancelation but telling new company my contract expired likely to get me back into courtexpired ... its not even XXXX, its another Portfolio scheme..It is a XXXX loan from XXXX and owe XXXX its just crazy ... I had to call to find out was cancelled..total mismanagement... .I 've been getting a flurry of letters thst look like same software SPS uses saying been a data breach..Crazy as XXXX ... SPS is a XXXX XXXXXXXX ... I paid XXXX payment on time and saying late, I closed account out but still open..my limit was XXXX but then shoes paid XXXX then said my limit was XXXX so can reduce to XXXX its a total collision within the kind of mortgage it was before SPS took it over ... XXXX by far the worse..to say cancelled any check on way with no notice, no check and then expired XXXX and was never a policy anyway. All XXXX..hocus pocus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXXXXXX XXXX XXXX {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXX/XX/XXXX {$380.00} 6. XXXXXX/XX/XXXX {$37000.00} 7. XX/XX/XXXXXX/XX/XXXX{$1400.00} 8. XX/XX/XXXXXX/XX/XXXX {$940.00} 9. XX/XX/XXXX XX/XX/XXXX XXXX  {$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.

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 2023-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Since 2012, I've been trying to receive an affordable modification. During that timeI I've repeatedly filed over 55 complaints with the consumer Financial Protection Bureau against Wels Fargo regarding the loan modification, credit report, XXXX XXXX  and illegal foreclosure proceedings. This prevents from obtaining a home loan. I've recently found out that CFPB file a complaint and a Victim relief fund was set up for the people that were effected. It also states in the letter that the victims were already contacted by wells fargo. I have not received any notification from wells fargo that I was included in the settlement.

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 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This is a follow up to a previous complaint XXXX. I recently received a summons about this PayPal debt that I have said all along is not mine. Apparently someone started a PayPal credit card at an address in Iowa where I have not lived in 20 years. It appears to be a result of identity theft, though I see that PayPal Credit has a history of heavy handed debt collection tactics, getting consumers to sign up for credit unknowingly and without their consent, and similar tactics. I contacted PayPal Credit customer service and started an investigation into the identity theft. My reason for contacting CFPB is just to alert the authorities about this situation to keep everything above board. Attached is a copy of my reply to the summons I received and submitted to the clerk of court, as well as the article I found about CFPB taking action against PayPal Credit under suspiciously similar circumstances to what I am currently facing.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I called in about my account because I made two transfers on XX/XX/23 using XXXX, which show received but have not been made a viable, to my Truist account and the representative refused to speak with me claiming I did not have the ownership type needed. I am a joint owner and my name is on the 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 2023-04-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I disputed 2 transactions that fall under regulation E for chime to receive a provisional credit that was due XXXX XXXX. I even have recordings of the reps telling me it should come XXXX XXXX, but chime continues to give me the run around. I filed with the XXXX as well and Im about to respond to my complaint with the XXXX  after I send this complaint. I had to call 4 times today and I have yet to receive a resolution. I have it documented with recordings from dispute reps saying that Im indeed due for a provisional credit for XX/XX/2023. I can even send the recordings via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Tried buying a home realized I have damages on my credit report. According to the law 15 U.S.C 1681 there should not be any damages on my report. I submitted in a dispute in regards of the following below on XXXX XXXX. I received a letter stating that it was not me who sent out my dispute and therefore they will not investigate following : Hard inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 Personal Information : Address XXXX XXXX XXXX XXXX MI XXXX Collections : XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # 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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 and605A(b) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods 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 and all information related in this matter. 

The fraudulent accounts are as follows: 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