vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I respectfully urge you to update my account with the accurate information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: CA

Complaint narrative:
I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: CA

Complaint narrative:
I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXX XXXXXX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XXXXXX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. diversified adjustment I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX, I paid my Synchrony Bank ( Amazon Store ) card ( ending in XXXX ) balance in full, drafted from my XXXX XXXX XXXX checking account ( ending in XXXX ) for {$5000.00}. 

The following day on XX/XX/XXXX, Synchrony deducted {$5000.00} from my XXXX XXXX XXXXXXXX checking account ( ending in XXXX ) a second time. 

I reached out to Synchrony around XX/XX/XXXX to report the extra payment. The vendor reported a double payment ( the second of which was made at XXXX XXXX ET - my time ), despite a balance of only {$5000.00} on the account. I requested a refund of the extra monies deducted and Synchrony said a check would take 10-15 business days, USPS, no tracking was available. 

15 business days later, in early XXXX, on XX/XX/XXXX I reached out to report the check wasn't received. They dispatched a new check " expedited '' and said it would be received in XXXX business days, still no ability to track the check ( even if I paid ) Today, I reached out XX/XX/XXXX and ask about what the next steps are if/when I don't receive the 2nd check and was told they would dispatch another. Again another 7-10 business days, again with no tracking. After I pushed back for 20+ minutes it was suggested a delivery attempt was made but the check was sent back ( the only signature option I am aware of with USPS includes tracking ) but some stuff to consider : 1. We use XXXX Mail which takes scans of all our mail as it passes through our local post office, no images have been captured of Synchrony communications or any unreceived mail. 

2. We have cameras on the property that captures anyone who approaches any of our doors or rings the bell, no one from the post office has approached our door for a signature. 

3. No notices to indicate an attempted delivery were left on the mailbox or on the door. 

As a result, I opened a dispute on the charge via XXXX XXXX XXXX. They reported it could take 45+ days and I may/may not receive a refund after that investigation. 

I do have chat logs for 2 of the 3 discussions with Synchrony 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 2023-05-23 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: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: LA

Complaint narrative:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Already made an FTC Complaint ( XXXX ) against Wells Fargo bank for issuing me a Master Card that I did not ask for. Went into a branch and complained that I been issued a card in error/fraud. They told me that they will take care of it. I had put in a credit freeze with XXXX and XXXX. Weeks after Wells Fargo acknowledged that they had taken care of it and canceled my Master card, I receive a communication from Wells Fargo yesterday XXXX saying that they are trying to open another credit card in my name ( that I did not request ) - Application # is XXXX. In this letter Wells Fargo is asking me to 'unfreeze ' my Credit so they can complete processing my credit card application!!! 

Wells Fargo is the XXXX  of the earth. I will not touch them with a 10 foot pole. What do I need to do to make them go away for good?

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 2023-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX do not recognize this account, I would like out to be removed TransUnion XXXX XXXX XX/XX/XXXX account is closed would like it to be removed

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 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called Lightstream because I did get a loan from XXXX for a debt settlement with a much lower interest rate. 
Light stream is making me pay the loan off on Thursday, XX/XX/XXXX when I want to pay off the loan today to avoid excessive interest fees. 

They told me I could not pay off the loan today Tuesday, XX/XX/XXXX and I had to wait until Thursday, XX/XX/XXXX this is illegal and I want Lightstream to pay me back the interest I was over charged about {$400.00}.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I applied for the Class Action Settlement for the U.S Department of Education on XXXX my application number is # XXXX For the School of XXXX XXXX XXXX I received My Approval of my Borrower Defense Case Under Exhibit C of the Sweet v. Carbondale Settlement on XXXX. The approval letter states the Department of Education will Discharge My Federal Stu loans, Provide a refund for any payments made, and Delete the Credit report trade line associated with the discharge loan ( s ). The Chief Operating Officer on my case is XXXX XXXX his contact information is XXXX. As of today XX/XX/2023 It is still affecting my credit, it has since lowered my credit score by XXXX points.This should have been frozen and unable to affect my credit rating. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-23 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: CA

Complaint narrative:
I have been a victim of identity theft due to my information being involved in XXXX, XXXX, and Transunion data breaches. I have many unauthorized accounts listed on my reports that are ruining my reputation with the banking system and hurting my chances with getting a mortgage. I also sent in all necessary document evidence and the credit bureaus are willingly infringing on my consumer rights. Not only are the accounts inaccurate but they are being reported without valid evidence.

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 2023-05-23 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: CA

Complaint narrative:
I am writing to delete the following information on my file. the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. please delete these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-23 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: IL

Complaint narrative:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XXXX of XXXX XXXX contacted me, they explained for a monthly fee of XXXX to XXXX dollars they could settle my credit cards out of court. And my credit would be repaired. I signed a contract with them. They drew money out of my account until XXXX of XXXX. Then I started getting court notifications from credit cards, and judgements put on me. When I tried to contact XXXX they said they sold my contract to XXXX XXXX practice. Which I did not give my permission! XXXX XXXX sent me a form to act as my limited power of attorney. When I tried to get a hold of either company the numbers where disconnected or no one would ever answer. I've sent emails to both companies without response and I also sent a certified letter to XXXX. This was returned to me stating there was no forwarding address. I spoke to some of my credit cards and they said they never received anything from XXXX and the other credit card companies said they couldn't speak with me because XXXX was representing me. I do not know what to do now.

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 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited {$5000.00} into the new account at Huntington Bank and met the terms of depositing {$5000.00} within the first 90 days of being open, to receive the {$400.00} bonus. I did not receive the {$400.00} bonus as promised. I filed a complaint with the bank roughly 2 weeks ago and never heard anything back. Unfortunately contacting this federal agency is the next step, even though I would rather not have to do it. Thank you and feel free to contact me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: KY

Complaint narrative:
Good Afternoon, My name is XXXX XXXX and I am writing this complaint for Monterey Financial, DBA XXXX. My initial purchase balance starting XX/XX/XXXX was XXXX. I have made a total of 28 payments for a total of XXXX dollars. After reviewing my account history and totals, the only funds out of that XXXX dollars that went to principal was XXXX. After speaking with one of Monterey 's representatives XX/XX/XXXX she stating initial interest was 113 %. This is also joined with XXXX (? ) A day for the amount of time the account is late. I am writing out of concern for their predatory practices. There is no reason for anything to be over 100 % interest, nor is there any reason why EVERY payment I made over the last 2 years has gone to nothing but interest ( minus XXXX went towards the initial principal. ) Please investigate this company and their predatory lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
According to USAA my account closed on XX/XX/2023, since that date I have continued to accrue monthly interest and late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had fraud done to my bank account about a year ago. It resulted in them closing my account due to the fraud. I filed a fraud complaint and they would transfer me person to person and never reserved any of the issues. To this day my account is still closed and because of that I can not open an accclunt at other branches.

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have 58 Hard inquiries on my Credit Report. Only 4 of those are accurate. 
XXXX XXXX : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX   XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX  + Automotive ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX  + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX- Automotive ( XXXX ) XXXX

Company response to consumer: Closed with explanation