vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-24 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: VA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: TN

Complaint narrative:
I am a victim of Identity theft. I filed the correct paperwork per the FCRA and sent it to the credit reporting agencies. They have not filed the disputes properly and the items still are on my report. 

I am not getting copies of the verification process required by law/FCRA. 

The agencies are not attaching the paperwork to my reports and disputes.

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 2023-08-24 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: TN

Complaint narrative:
I am a victim of Identity theft. I filed the correct paperwork per the FCRA and sent it to the credit reporting agencies. They have not filed the disputes properly and the items still are on my report. 

I am not getting copies of the verification process required by law/FCRA. 

The agencies are not attaching the paperwork to my reports and disputes.

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 2023-08-24 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 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 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A fraudulent bank account was opened using my name and social security number when someone gained access to my e-mail account. As a result, when I attempted to open my account with Chase I was unable to as a security alert was placed on my account. My personal banker worked with me to rectify the issue and I was able to finally open accounts with Chase. I recently tried to open a new account with Chase and the same issue has occurred where the security alert caused my account to be closed. My personal banker and a few representatives from Chase understands that this was done in error but they are not getting the proper approval necessary to reopen my account from their back office team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 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, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work. 

1 ) I want to be able to log into my Equifax account online at www.equifax.com 2 ) I want my Equifax account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire.

As of right now - I am not able to login online. Please resolve as soon as possible.

Attached are my drivers license, social security card, and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: World Acceptance Corporation
State: SC

Complaint narrative:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reported to XXXX and iXXXX XXXX and XXXX XXXX XXXXf XXXX of someone using false power of attorney with fake signature that's not even mine, stolen irs tax return prove of XXXX representative, a phone number I used to have before I departure to XXXX, XXXX on XXXX, XXXX, XXXX and returned back to u.s on XXXX, XXXX, also XXXX account is stolen, and XXXX XXXX XXXX XXXX report that my SSN IS UNDER XXXX XXXX, not XXXX XXXX which is me And now there is XXXX students loans were taken while I was gone in XXXX, XXXX and the XXXX loans were taken as " National Emergency Forbearance '' there are {$3800.00} and {$3000.00} and XXXX I have reported them to transunion and XXXX XXXX XXXX and have called the department of education and informed them as well Done sent documents of prove evidence to transunion by mail and received it on friday XX/XX/XXXX, and documents were signed for as well

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 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I attempted to get my annual credit reports from XXXX, XXXX and TransUnion. I did receive the XXXX and the XXXX reports. When at the final stage of processing the TransUnion report, the TransUnion system said there was a temporary error on their end. I then proceeded to call TransUnion and also to go to my account login. I have been unsuccessful in both of those attempts. When I login into my account, I immediately receive a message that TransUnion is experiencing a temporary difficulty on their end. I have spent many hours since XX/XX/XXXX trying to access the account and have contacted TransUnion numerous times. I had also on the initial call to request a copy of my annual credit report by mail. I have still not received it. Since I had previously had a fraudulent purchase through XXXX that required the issuance of a new card, it is most important to be able to check my report and information on the TransUnion site. I am trying to resolve this issue and am reaching out to the cfpb.

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 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I have a loan on a car I purchased with a loan from One Main Financial. I took out a {$500.00} loan after this. They said it was XXXX of XXXX. I don't recall the exact time but thought it was longer ago. I have a XXXX XXXX XXXX. The engine died and I called them for a pay-off amount and they told me it was XXXX dollars. The car cost {$5000.00}. I ended with a loan of about {$8000.00} XXXX or XXXX years ago. Now they tell me that because I took out a measly {$500.00}. loan it was a total refinance of the entire loan. They said it became a {$10000.00} loan. I would never have agreed to this if I had understood what was happening. I am not stupid and I believe they pulled a fast one on me and used deceptive practices for the refinancing. I had to purchase another car and could not include the money I still owed on the XXXX, so now I will be paying on XXXX cars and one doesn't even run. I can't afford both payments. Is it legal to finance the interest that is being paid on a loan? I want to resolve this without going to a lawyer but I will if I have to in order to get satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent the credit reporting agencies the attached letters about unauthorized accounts on my credit report. The credit bureaus sent a letter denying disputes stating the accounts verified were mine but refuse to tell or show proof of verifications for each account. By law 15 U.S.C 1681 Law Violation this is not the correct way to handle complaints. I will like for all accounts to be removed in the dispute letter. Please remove and update 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 non-monetary relief
Consumer complaint received 2023-08-24 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE NEGATIVE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my TransUnion account online at www.transunion.com 2 ) I want my TransUnion account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire. As of right now - I am not able to login online.

Please resolve as soon as possible.

Attached are my drivers license, social security card, and address.

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 2023-08-24 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( moO 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: World Acceptance Corporation
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( moO 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have an account of XXXX bank and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend BOA account. 

We tried to ask XXXX but they said they could do nothing. 

We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. 

We tried to contact Zelle, but can not. 

Please help me with the issue. I would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
RE : Cease and Desist ARS ACCOUNT RESOLUTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraduently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verfiication of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presense of such an officer whereby one swears to the truth of the statements in the document " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. ) ''. I also demand proof that this corporation provides proof that I signed a contract with them. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follws : Acct : XXXX original creditor XXXX XXXX XXXX XXXX- within 30 days from receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
The Chrysler Capital Finance website My Account has confusing and potentially purposefully deceptive layering. When I log into My Account account summary screen will note that - - in the Amount Due. There is a? next to this and if you follow the prompt, you receive the following info : Amount due includes your next monthly payment amount plus any unpaid past due amounts, fees, and charges ( if applicable ). 
Balance may vary from your statement based on recent activity.

At this point most people, including myself, would say, Oh, no amount due. and log off. I have done this and wondered why I keep getting charged late fees or have missed payments.

If you should go further into your account info, a separate screen, it will allow you to access a Transaction History and will indicate that you do have an amount due and the due date for that payment. ( I have screen shots of both these pages. ) I have questioned late fees and missed payments with customer service representatives on numerous occasions over the course of my lease. I have even been promised refunds of late fees that never happened. 

I am sure that I am not the only one who sees - - amount due and moves on. Chrysler Capital is likely making millions on late fees and, if reporting to credit agencies, negatively impacting peoples credit. They have no incentive to change this confusing account information practice. 

Please look into this. I believe that CC should be refunding late fees and writing correction letters to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 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: MD

Complaint narrative:
There are unauthorized inquiries on my credit reports also incorrect information as far as my address .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 All these inquiries was not authorize by me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Goldman Sachs Apple Card unlawfully declined me of a deferment Or payment option when I got behind on my payment due to hardships I am currently thirty days past due and I have contacted them several times and they declined to give options. My card is closed and they still wont give an option for hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I bought a car from USASF I heard they closed down now I have westlake portfolio calling me. On my credit its has a charge off for USASF. I was told since I have been paying on the car the past 2 years I have only paid around XXXX. I am trying to get. A understanding about whats going on and if this is legal

Company response to consumer: Closed with explanation