vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I had my information stole in a security breach. 


XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}

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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
Back in XXXX of XXXX, I purchased a XXXX XXXX XXXX XXXX. The vehicle was financed through Mercedes Financial. Fast forward to XX/XX/XXXX, I was on autopay with my debit card. As a unconscious mistake, I didn't realize the debit card linked to my account was expired and not updated within the system. It was only after I noticed the payment had not been deducted from my account that I reached out to Mercedes. It was at that point that I was told there was no way for me to pay the missed payments. I was told they either wanted the loan balance in full. I tried to speak with them and negotiate paying the back payments and bringing the loan current. They told me there was absolutely no option to do so. They told me they wanted the car, or for me to pay the loan in full. 

Fast forward to present day, I have lost my job. I unexpectedly lost my husband, and have been trying to get my affairs back in order. I recently reached out to Mercedes and now I have been told a different story as to how I can reinstate the payments, pay the total payoff or turn the vehicle into a Mercedes dealership. However, they did not state what will happen if I turn the vehicle into Mercedes regarding the loan balance. 

I requested a statement of my payment history. At the time of my phone call I was told the payoff was {$30000.00}. However, upon receiving the payoff statement it was reflected of {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent all three credit agencies a letter on XX/XX/21. It is now XX/XX/21 and i have not seen a investigation letter. It is more than 60 days. This is a misuse of my credit profile. Please delete

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 2021-10-01 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: NJ

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NJ

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because I have sent everything needed to remove this fraudulent collection and unknown inquiries off my report to Equifax. I sent a letter on XXXX XXXX and they refuse to delete. I know my laws and know per 15 USC 1681c-2 stating any fraudulent information must be blocked within 4 business days and this still hasnt been done. I also followed up and called Equifax 30 days after and they claimed they never got my letter so I faxed it in again. They then sent letters claiming items was verified without any back up documentation. I called equifax about 60 days from XXXX and they still havent sent a letter letting me know how they verified this collection agency or inquiries and I have already notified the creditor of the inquiries and they said they cant delete anything because equifax houses the info. Also sent a letter to XXXX XXXX which is a unknown account showing on my credit report and they failed to respond. This is a obvious failure to comply. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. This is something I can and will take to court if I need to. I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

Account : XXXX XXXX XXXX Account number : XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you I am expecting a response asap because I already feel like Equifax is taking advantage of me and ignoring my requests. I dont have any accounts on my equifax credit report tied to these inquiries I need them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had called the credit bureau, XXXX, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to XXXX to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall XXXX and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to XXXX 'XXXX  po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.

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 2021-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
While submitting my information for financial business dealings, a delinquent claim popped up on my credit report. Credit Acceptance Corporation located at XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX, marked on my credit report this month, XXXX of XXXX, that I was delinquent on my account that was paid off and closed in XXXX of 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 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a voicemail from XXXX XXXX with XXXX XXXX XXXX ( XXXX ) today regarding a 2002 credit debt. I was informed by XXXX XXXX that I was in danger of being sued in civil court if I did not pay the {$6000.00} debt or in the alternative, pay {$2000.00} as a settlement but in monthly installments of {$290.00}. The woman had the last four of my ssn, my birthdate, my current address, and had also called my mother and father.

I was emailed legal documents to sign via Docusign and this made me suspicious. I shouldve followed my instincts sooner and could kick myself for paying these creeps {$250.00}.

After researching the firm, I discovered that their address leads to a XXXX store in California and this was another red flag. I read other peoples similar experiences and they mirrored mine. I emailed them back to never charge my card again, that I would not be signing any documents, and that I contacted my attorney. Be very cautious with people like this. They will use your personal information and legal threats to get your money.

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021 I was a victim of credit card fraud what I believe was done through XXXX. Bank of America 's voice automated system called me to verify someone was attempting to add my card to a different phone. After being prompted to decline this activity my account was compromised anyways and was charged a total of {$1200.00} in fraudulent transactions. 

After disputing these transactions Bank of America decided that a transaction of {$210.00} from a XXXX in XXXX, XXXX would not be credited back to me because there was enough evidence to prove I had done it being that I shop there frequently. I live in XXXX, XXXX  and would like to bring up the fact that this was an in store purchase. Bank of America did not do its due diligence in protecting my accounts and is not completing their investigations thoroughly. Because there is no PIN number associated with credit card and my signature was not compared rightfully to the one used during purchase, I was not given a fair investigation and thus am decepted by Bank of America. 

I have called numerous times to resolve this issue with Bank of America but they continue to reopen my dispute and find it not in my favor causing it to effect my credit score negatively.

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 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
PAUL MICHAEL MARKETING posted some random collection on my credit report. I called and they seem to not have any information. We are in the process of selling our home and moving into a new one and I got a 60 point drop out of nowhere. I pay my bills and have perfect credit and these criminals will destroy your live with their manipulative schemes. I will sue for damages if this is not deleted immediately from my credit report. 

I do not have an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NC

Complaint narrative:
XXXX, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX I have requested mediation per the cardholder agreement. Not mediation through one of their customer service reps or one of their lawyers who have no interest in their cardholders. A third neutral party. 

I had a simple request, don't charge me for my own XXXX assault, AMEX did anyway. These 'businesses '' are running XXXX trafficking, drugs, and fraudulent receipts like it's just easy money because it is. 

If it were not for law enforcement and the ability through the CFPB to put this into writing, consumers would have ZERO protection. 

This company charged me money for a XXXX XXXX on their card, and they're fine with that. No problem. 

I have said I am filing assault charges with the police. That isn't a threat, it's my legal right. It hasn't happened yet, only because I'm in XXXX and this happened two years ago in XXXX. And now because this company demanded six thousands dollars in payment for a XXXX, I have to but my own ticket back to Texas to start this misery all over again. 

Too many consumers are getting financially destroyed from activity in these places that is flat out AGAINST THE LAW. And they are sending XXXX trafficked victims outside these places to drug men, to fraud the cards, and then demand money by force if they don't hit their quota. 

We just wanted to move on with our lives and not be ripped off or have our lives destroyed. But this company has humiliated someone beyond what is acceptable even in a company existing for profit. They made my family pay for my own XXXX assult. 

That's the final straw. It's disgusting I should even have to assert this. I want a third party mediator before I get on a plane and go the cops. 

I want to talk to a third party. I want to resolve this before it goes to law enforcement, but I don't want to talk to anyone working directly for AMEX. It's a waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have an account with Coinbase which I have held for many years. In early XXXX I tried to withdraw funds from the account. The Coinbase system came back with a message that said my account was restricted. I can deposit funds into the account. I can purchase additional products. I can't withdraw any funds. After 4 weeks and several attempts to send my ID over the secure link they are providing they continue to say they can read my ID and will not unlock my account. This has been going on since XX/XX/2021 and continues to today. 
THIS IS THE MESSAGE I GET BACK FROM THEM ( ) As we've checked your documents, it appears that you were able to upload your ID Selfie successfully. However, it seems that the ID you uploaded shows as blurry and we're unable to read it on our end. ) The case number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Every day multiple time a day chase bank credit calls me. I've gotten to the point I don't answer unknown numbers because the calls came from different numbers. I've spoken to the rep. I've informed them of my situation and why I'm behind and verbally reinforced that when I have the money to repay them I will but until my pua appeal and non fraud overpayment gets approved I have no options right now because all my income was taken when pua document didn't get submitted in time. The verbal agreement to try to pay by the 1st didn't stop them from continuing to call multiple times a day wether I answer or not. It is causing me so much stress it's unreal. I know what the issue is and agreed to make it right when I can but they won't stop calling every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 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: NY

Complaint narrative:
Dates : A few dates I cant see because I cant access my account. 
Bank Amounts : Should be totaling $ XXXX {$14000.00} Actions : My bank locked me out of my account because two friends of mine who even offered to come into the branch to clarify the situation sent me bank transfers regarding clothing business matters and rent since we all live together and they refuse to release the money to me so I can take cause of my bills. They are trying to also tell me I have to wait till XX/XX/XXXX to see any of my money when I dont have any right now at the moment. 
Company in Question : Bank of America, N.A.

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 2021-10-01 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: OR

Complaint narrative:
Equifax continues to put a credit card, XXXX XXXX XXXX, used by my father on my credit report. We have the same name, but he is a Sr and I am a Jr. I do not use this card and am not on the account in any way. 

I have requested via their one process that they make this correction and remove it from my profile, since our date of birth and social security numbers are different, but they refuse. I am not a user or on this account in any form. 

As a result of their inaccurate information, my credit score with them is lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: NV

Complaint narrative:
This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus XXXX , Equifax , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.

Company response to consumer: Closed with explanation