vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
This company called Debt Recovery Solutions placed a debt collection report on my credit report. I have never ever conducted any business with this company and I believe that this company is committing fraud because its attempting to collect money for a debt that doesn't pertain to me. I requested for this company to send me documents that show my signature to prove that I made any contractual agreement with them and they failed to produce it. My credit report is being damaged by their report on XX/XX/XXXX. I plan on suing this company for violating the laws regarding harassing my phone demanding this outrageous amount of money to be paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
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 XXXX XXXX XXXX XXXX XXXX XXXX were all on 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 2023-12-23 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: IN

Complaint narrative:
I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX were all on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax XXXX XXXX, as per the outlined procedures. XXXX, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box XXXX is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box nor is it representative of my current address, which I have owned for over XXXX years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax XXXX XXXX, as per the outlined procedures. Regrettably, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box , is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box noXXXX is it representative of my current address, which I have owned for over XXXX  years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have been a victim of a massive identity theft dating back to XX/XX/2022 and cash app allowed my account to be breached numberous times and never refunded my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Opened a 10 month CD with Marcus by Goldman Sachs back on XXXX of XXXX In XXXX I received a notice from the bank saying they did not have my Signature card on file for 1099 purposes. So I send one in and spoke with a XXXX to avoid a federal witholding on my account. However, it was too late. They took out {$220.00} from my account .Nonetheless, I asked XXXX if we were all set with the signature cards on the account. She advised that she would take my wife 's signature card from the savings and put it on the CD. I confirmed if I was all set. She advised I was. Fast forward to XXXX of XXXX I was told to sent over a signature card for my wife. Long story short, I sent in four, Beginning on XX/XX/XXXX to XX/XX/XXXX. I called back on XX/XX/XXXX, XXXX, XXXX, and XXXX. They advised they never received. I was advised without the signature card I would not have any FDIC insurance on the CD. All the SIgnature cards were sent to Goldman Sachs Bank USA, XXXX XXXX XXXX, XXXX XXXX IL XXXX. So I was so upset, I advised them one was sent in. I was told I would not have FDIC insurance on the account. The took the money out on XX/XX/XXXX, XXXX, THEY CHARDED ME A {$2300.00} EARLY WITHDRAWL PENALTY. I was told wrong info the whold time, I want my {$2300.00} BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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

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 2023-12-23 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: FL

Complaint narrative:
On XX/XX/23 around XXXX  while I was at work I got a notification that {$600.00} was taken out of my chime account and I immediately called and filed a dispute over the phone. Overnight my dispute was denied and I got an email once again while at work notifying me of the denial I call again and filed a rebuttal that was denied in under 30 minutes and another was denied under 30 minutes and I called to have another submitted and I was told it was being submitted but yesterday I found out that was not done and I just did another and 20 something minutes later it was denied. After having this happen to me I found out that chime was known for this. This is the bulk of my first payment at my job and its XXXX this is not ok and this has been over the span of almost 2 weeks. I filed a police report and fbi complaint and also a XXXX complaint as well but at this point I have ran out of patience and need a solution in a timely manner just like how I can be denied under 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I requesting my previously provided and signed application with my tax information, bank statements, XXXX XXXX form, P/L statement, and the confirmation that it is in process. Unfortunately this exercise has been ongoing for over 4 months, and during this process interest is accruing. I want all information from my investor, XXXX XXXX, Underwriting, and anyone who might be holding up my loan modification approval. 
May I request escrow information dating back to the time that the current servicing company acquired the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am not familiar with this company and they called my family members home phone several times and left a message for me to call. I do not live at this home nor did I provide their home phone for my contact info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I cant afford to pay XXXXXXXX  monthly because my finance has decreased 10 % due to COVID I can only afford to pay a monthly amount of XXXX monthly. Ive tried speaking with credit acceptance to lower my payments and they said they can only split the payment biweekly which still doesnt work for 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 monetary relief
Consumer complaint received 2023-12-23 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX five charges for {$490.00} to XXXX XXXX XXXX' were made to my account. Almost immediately I called Wells Fargo to reverse the fraudulent charges. They initially refunded the charge but now ( as of XX/XX/XXXX ) they have rescinded that decision and charged me for 2 of the charges for a total of {$990.00}. My only explanation is I replied " y '' to a text confirming one of the charges because I had made a purchase for a similar amount from XXXX XXXX XXXX around that time and thought that was the reason for the text. I called once I realized my mistake, that same day. Any restitution would be appreciated.

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 2023-12-23 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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act grants me the right to challenge any inaccuracies in my credit report. It mandates that all information in a consumer 's file must be thoroughly documented and validated before being used by creditors. I take this responsibility seriously, as the allegations of delinquency and derogatory remarks against me are untrue, and I am prepared to vigorously contest them. The accuracy of my credit report is paramount, and the mentioned allegations do not meet federal or state reporting requirements. 

I contest these claims due to their failure to comply with basic reporting standards, which undermines my confidence in the information presented. It is imperative that you adhere to the obligation of maintaining and reporting data with absolute accuracy and compliance. Reporting claims that do not meet regulatory standards is prohibited, and it is essential to ensure that all information is accurately and correctly reported, as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. 

I request substantiating evidence that justifies the negative status of my accounts. Any inquiry or account in my report must have a permissible purpose, and I expect this to be clearly demonstrated. This letter serves as a formal notice of your failure to fulfill your responsibilities. If this matter is not promptly addressed within the next 30 days from the date of delivery, there may be severe consequences. I trust that you will rectify the inaccuracies without the need for further intervention or escalation. 

Additionally, I request physical proof of your actions and an updated credit report reflecting accurate and verified information. The claims listed in my current report appear to be inaccurate, and I insist on receiving correct and verified information promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from a third party agencies. I have not done any business with Jefferson Capital and they do not have any permissible purpose of reporting this to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: MECHANICS BANK
State: TX

Complaint narrative:
Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, experian, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Made a payment several days ago. Received an email yesterday stating the payment processed. Money was removed from account. Credit card company states it will take 8 days for payment to reflect on 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 2023-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Everyday for the past several months, Commetity Bank calls me numerous times a day. Ive had to block 36 of their different phone numbers and counting, but they still get through. They have called up to TEN times or more a day, several days a week. I cant take this anymore. I do plan to pay the debt, but their harassment is making me angry and upset. I cant list each incidence of their calls because its constant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On Thursday XX/XX/23 me and my husband XXXX XXXX XXXX deposit an {$4500.00} check from his XXXX account XXXX XXXX XXXX XXXX into our PenFed  account. We did know that it will take about 5 business days for us to received our funds from the deposit. We already had funds in the account from both of our paycheck. Once we deposit the check it did give us an amount of {$3000.00} plus funds from our paycheck. A rep called me on Friday XXXX XXXX XXXX to verify to make sure that my husband was on the account and not deposit in an individual account. Rep stated to verify my husband name and I did. Then the rep apology saying that he was sorry for calling me, because he do see my husband on the joint account. First of all when PenFed pulled up the account, they should have saw my husband name on the account along with mines. When I checked the account after the rep hung up with me. The balance was XXXX XXXX. After XXXX, I notice that our account was an negative XXXX XXXXXXXX. Which the account should have not been negative. I'm really upset with PenFed, because we have deposit an check before from XXXX XXXX in the amount of $ XXXX from his XXXX and we never had a problem. So, now we don't have any money for XXXX to spend on our family. After our account is cleared with PenFed we will be moving our membership to another bank.

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 2023-12-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've obtained a copy of my consumer credit report from the three major credit bureaus to check the information reporting to ensure it was accurate according to USC title 15 1681i ( 5 ). 

I've waited 30 days to receive the investigation results which everything was still on reporting exactly the same on my credit report as the previous month. The credit reporting agencies Experian, XXXX, and XXXX did not modify and/or remove any items on my credit report. 

The primary information being reported incorrectly are the payment histories on my XXXX XXXX XXXX, XXXX XXXX, and XXXX accounts. 

This is a violation of the Fair Credit Reporting Act which is harming me from obtaining funding to further my small business.

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 2023-12-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, my daughter ( she has a teenage banking account ) was trying to buy a concert ticket for {$30.00} from another student. She paid her on XXXX {$30.00} and then another {$120.00} was someone also charged and taken from her XXXX account. We tried to dispute the {$120.00} since that was fraudulent but XXXX would not take our complaint. She also reached out to the other student who has completely ignored her and not given the money back. The student is clearly stealing money by pretending to sell concert tickets. We then tried to dispute the full {$150.00} - both charges - since no tickets were received. I do want to reiterate that the {$30.00} was actually sent but the {$120.00} was fraudulent and unauthorized and we believe the XXXX account was hacked. We also disputed the charges through WellsFargo and they gave a provisional {$150.00} back but we just received a letter saying they have found that a processing error did not occur and they are deducting the {$150.00} from 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