vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$42.00} and XXXX  XXXX ; INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Due to the financial effects of the COVID-19 pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX at the Ford dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle.

Ford Motor Credit obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
Ford Motor Credit has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: FL

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not minI ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine! e!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-26 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: WA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-05-26 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:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX  on XXXX XXXX, 2023 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to express my concern regarding the automatic payments set up for my Synchrony Financial account. I had arranged for fixed monthly payments to be debited from my account on the XXXX of each month as the due date, considering the financial hardship and loss of employment that I have been facing. However, I have experienced significant issues with the automatic payment system, which have caused further financial strain and inconvenience. I proactively contacted Synchrony Financials customer service and requested to set up automatic payments for the fixed minimum payment due on my account. I provided the necessary information, including my banking details. However, despite the assurance, I have encountered the following problems with the automatic payment system. 

On multiple occasions, the automatic payments have failed to process as scheduled, resulting in missed/late payments leading to additional fees applied to account. I have diligently maintained sufficient funds in my account to cover the minimum payment, yet the payments have not been deducted as promised. As a result, I have incurred late payment fees and penalties, which have only exacerbated my financial difficulties. The amounts deducted have varied inconsistently from the agreed-upon fixed minimum payment due. This inconsistency has made it challenging for me to budget effectively and plan for my financial obligations. This has been very misleading and discouraging due to my current status of financial hardship it seems like this debt will never be satisfied and paid in full of this type of misleading advertisement.

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 2023-05-26 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'M SUBMITTING ANOTHER COMPLIANT BECAUSE THERE ARE STILL ACCOUNTS SHOWING ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE.

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 2023-05-26 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: NJ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS

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 2023-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
This loan 's interest rate is well beyond what is legal in my state. I have made several payments towards it but I did not realize the loan was illegal in my state.

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 2023-05-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I had did a mobile deposit from a job I did. And for whatever reason I received a letter from Bank of America stating they have closed my account without telling me a reason. when I would try to log in online I can't and it says in big bold letters account locked contact Bank of america. However I already submitted my taxes and had my bank account info registered for a income tax refund that was already in the process. NOW ON XXXX, The irs sent a ACH to my account that's ( supposedly closed ) but they the bank of america accepted my income tax deposit and never told me So every day I'm checking for status of my $ and when I called B of A I was told they didn't reject the money but it's on " ON HOLD PENDING ACCOUNT CLOSURE '' and to call back next week on the XXXX of XXXX to see if my funds can be released. Now why would they take a irs Payment if they closed my account already? And why is my money being put on a hold?

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 2023-05-26 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: TX

Complaint narrative:
identity theft someone use my information to rent an apartment and left with huge amount of unpaid rent on my name

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 2023-05-26 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:
identity theft someone use my information to rent an apartment and left with huge amount of unpaid rent on my name

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 2023-05-26 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

Credit collection Service {$100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I noticed fraudulent activity with my account on XX/XX/2023. I immediately went to the bank and reported it. They took down my information and filed a case on my behalf. Today XX/XX/2023 I tried to check my account and was denied access and was instructed to call I called the number they provided me. I was told that since my complaint was about a wire to a bank in XXXX that they had tried to get the funds back from said that they had no funds to send and I must have given my user name and password to someone or let them take control of my computer that I would not receive any credit back to my account. I asked them why would I give someone that information and then come to the bank and file a claim on the same day it happened. I was told that wire transfers take place in real time and that there was nothing that they could do. I did not authorize a wire transfer nor do I know anyone in XXXX, and I have never attempted to make a transfer of this kind in the past nor will I make one in the future.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex closed all my credit cards and business checking account today without notice. I have a credit balance on my credit card. I have membership reward points worth {$2000.00} that are gone due to the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2023-05-26 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: WA

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
I met a girl online and we started chatting using XXXX. During conversation the topic of investment had come up. Since I have been interested in investments for some time I told her I was interested. She had me download the Coinbase and Coinbase Wallet apps. I directly wired the following amounts to Coinbase on the following dates from my bank account at XXXX XXXX XXXX : XXXX  - {$500.00}, XXXX  - {$2000.00}, XX/XX/ - {$2500.00}, XXXX - {$75000.00}, XX/XX/ - {$15000.00}. I also had a little bit of money on my XXXX app that I transferred over to Coinbase on the following date for this amount : XXXX XXXX {$490.00}. At the beginning on XX/XX/ when I had little money to invest, XXXX helped show me how and I made a little money. I insisted to make a withdraw of funds to prove it was legit and I transferred {$8.00} from Coinbase to XXXX after moving the money from the XXXX XXXX back to the Coinbase app. XXXX helped with all of this. Once all the other money was in there, I made a little more money, but according to XXXX, I was out of time unless I got to {$150000.00} in capital. She took it upon herself to lend me the funds to get to the {$150000.00}. She transferred straight to the XXXX XXXX account the amount of {$44000.00}. After this, I made transactions on the following dates : XXXX XXXX XXXX XXXX XXXX. My account balance on XXXX XXXX now stands at {$380000.00}. It shows that I have profited {$240000.00} in total revenue. On Wednesday, XX/XX/, I was instructed by XXXX to ask Customer Service on website what I would owe in taxes. Customer Service gave me the amount of {$49000.00} that I would need to deposit to the Coinbase XXXX as a Pre-tax payment in order to withdraw my money and that I only have 7 business to do so, now that I have asked for my fund, even though I really didnt. Customer Service has insisted that this process can not be reversed. I have talked with a contact at XXXXXXXX XXXX  here in XXXX, KS and he used his resources to do some fact checking and it is definitely a scam. Would love to hear from someone soon. Thanks. I also have the entire conversation dialogue with XXXX XXXX on XXXX she used snapshots when teaching me how to do all these transactions between Coinbase and Coinbase Wallet apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This debt was completely paid off after the car was totaled. The balance was XXXX, it was never charged off, sent to collections or in bad standing. I have tried on numerous occasions to get this rectified but it has not been resolved.

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