vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While checking my credit profile I came across hard inquiries that do not belong to 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 non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have an account on my Equifax credit report called XXXX - XXXX XXXX  with an account number of XXXX XXXX. It states that I am an 'Authorized User ' of this account, but I have never authorized or agreed to being an user on this account. I asked for documentation that I signed up to be an 'Authorized User '. 

I sent a letter to the address provided on my Equifax credit report to XXXX via certified letter ( trackingID : XXXX ). They received on XX/XX/XXXX, XXXXXXXX XXXX. I waited XXXX  days and did not receive any correspondence back. 

I then sent a letter to Equifax via certified letter ( trackingID : XXXX ). They received on XX/XX/XXXX, XXXX XXXX. I explained that I did not get any response to XXXX and provided my dispute that I never authorized myself to be an this account. 

Equifax ignored my concerns and basically updated the comments section of my credit report. 

This is not my account and I have never used it nor even signed up for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
there is an account on my credit report that is not mine and belongs to someone else

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 2024-05-17 00:00:00
Product: Credit reporting 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 looked at my Report XXXX XXXX XXXX shows Balance {$74.00}, I have no connection with this account. This shows up only on my Equifax report. I always try to reach out but no Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I mailed XXXX rounds of certified letters XXXX  XXXX XX/XX/year> to XXXX XXXX XXXX, XXXX, and Equifax Information Services, LLC disputing accounts below Account Name : XXXX XXXX XXXX {$5500.00} Account Name : XXXX XXXX XXXX {$6500.00} Account Name : XXXX XXXX XXXX {$3400.00} XXXX  letter sent for verification on XX/XX/year> to XXXX XXXX XXXX, XXXX, and Equifax Information Services, LLC and accounts still remain and have not been fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Loan # XXXX To whom it may concern : My name is XXXX XXXX my property is XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX. I fell behind on the mortgage do to severe hard times. I tried to sell the property before this matter happen but no offers. Now I have offers for a short sell on the property and they want accept the offers or anything. I do not need or want a foreclosure on my credit Im a XXXX veteran XXXX XXXX  just retired out of the XXXX XXXX of XXXX years. I would love for them to give me 60 to 90 days extension to rectify this situation. Thanks in advance. 

XXXX XXXX XXXX XXXX # XXXX Carrington mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had too late payments on an account that I was in fact paid on time. The consumer reported an agency need to report all information with complete accuracy. This account should not l have late payments. I have attached A copy of my report for this complaint. As you will see the inaccuracies between XXXX XXXX XXXX and Experian, I am now requesting you to investigate and provide verified proof with record showing that I had late payments. If the information can not be verified, I demand these payments be updated to pay on time immediately thank you for understanding.

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 2024-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Several months ago, I received an email from Wells Fargo promoting their Certificate of Deposit ( CD ) account with a 4.8 % annual yield. Following their instructions, I opened the account and deposited my funds. After three months, I discovered that the yield had been reduced to 2.48 % without any prior notice explicitly stating the upcoming change. This lack of transparency and failure to provide clear advance notice constitutes a deceptive practice. It is my belief that Wells Fargo should be advised to cease such misleading practices immediately.

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 2024-05-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Please remove hard inquiries XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: AL

Complaint narrative:
To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - 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 never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment

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 2024-05-17 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: AL

Complaint narrative:
To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - 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 never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I rented a car through XXXX at XXXX XXXX in XXXX, I returned the car as normal in the condition it was rented to me in, it was checked over and all was fine. I received my invoice for the agreed amount plus a fuel surcharge and thought all looked normal ; a while later they tried to charge me nearly {$1000.00} ( XXXX ) for damage they claim I inflicted to an area of the vehicle I never touched ; the storage area of the spare tire which I didnt even know existed. I looked up many XXXX reviews and discovered this is a scam that have been running, as many people had similar experiences. I of course contacted XXXX and XXXX to no avail. So I disputed the charge through Chase bank. I listed it as a fraudulent charge because to me thats what it was, Chase took over 2 months to process this and re-bill me saying it wasnt their version of fraud and I would need to re-submit my dispute. I did exactly as I was prompted by a Chase dispute specialist in the most timely manner allowed by Chases hours, only to be told weeks later it is too late to submit a dispute on this charge and there is nothing they will do to help me. Chases slow processing times are to no fault of my own and I should not be punished for it, they should be protecting me as is their job to do after 15+ years of banking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: VA

Complaint narrative:
I have been trying to lift my security freeze on my report for months. I do not have my current freeze PIN it seems, so I have requested a new PIN via their website multiple times, but they refuse to send a new PIN so that I can unfreeze my report. 
I have requested a new PIN in XX/XX/2024, andXX/XX/2024 with no success. I have submitted my identity documents each time and they still are unable to provide me with a new PIN or any way to unfreeze my credit report. I have disputed this and wrote messages to them so that I can accurately unfreeze my account, but they haven't responded to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Recieved notification on credit karma account about additional debt in collections. Investigating the debt I discovered the account was opened by someone who is not me, and accrued XXXX $ in debt before closing the account that was servicing two addresses after like 3 months. The account was through XXXX a utilities provider and they confirmed ive never had an account with them. The account was credit verified by XXXX with a mispelled name on the account, how it even managed to pass the check is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XX/XX/XXXX : Spoke with XXXX in customer service, she indicated she couldnt waive fee, but would speak with corporate to get fee waived, but was disconnected after XXXX minutes on hold. Phone call at XXXX XXXX EDT. 

XX/XX/XXXX : Spoke with XXXX in customer service and he outright told me he couldnt waive fee, was placed on hold and he returned with same answer.

I indicated to both I do not receive bills online and do not want to receive bills in that manner.

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 2024-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
The following letters were sent to the following companies : XXXX. Midland Credit Management Company located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX | Account Balance : {$2400.00} XXXX. XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX | Account Balance : {$490.00} XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX | Account Balance : {$3300.00} Dear Collector, I'm unaware of this debt, I didn't have opportunity to dispute this information. If in fact you believe you provided the proper notification then please send me the " certified receipt '' with my name and address on it. If you are unable to provide the said document otherwise the noted account must be removed because this is a violation of the federal credit consumer law ( FCRA ), 15 U.S.C. 168.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act CAPITAL ONE accounting # XXXX, has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC 1601 " The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 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: MD

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2024-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX, I realized my credit card autopay was not going through. I called Bank of America ( further referred to as BOA ), they did not know how it was turned off. I asked them to turn it back on and they confirmed it was. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA took out my autopay twice in error. They said they would refund one of the payments to my original payment method, my XXXX XXXX XXXX XXXX checking account ( I will refer to them as XXXX ). They confirmed the routing & account #. They confirmed I only had one autopay on my account. They did not know why the payment went out twice, but it would not happen again. 

In error, they refunded it to my Mothers BOA checking account ( I am a signer as she is elderly ). I had told several times that was NOT my account, do not refund the money there. Now they told me they could not reverse it or refund my money, that I would have to initiate an ACH Transfer between banks. I couldn't do this because I do not have a debit card with BOA, after many phone calls to BOA, I had to have my mother do the transfer. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA again took put my autopay twice in error. They sent me a check for the refund. 

XX/XX/XXXX ( XX/XX/XXXX & XX/XX/XXXX ) BOA took double autopay out in error ( {$3500.00} ). They said they could not send me a check. They said they would refund the money to my XXXX checking account. 

XX/XX/XXXX BOA charged my BOA credit card an additional {$3500.00} ( amount they had meant to refund me ). Now they owe me twice for that amount. I spoke to them XX/XX/XXXX and the employee told me several times they did NOT owe me twice. Finally, they said, oh, youre right we do. Well refund that to you. I said I needed it to be a check since there had been so many errors. He told me to hold, then hung up on me. 

I still have no gotten my money. These errors have exceeded {$17000.00}. I have spent probably 6 hours on the phone trying to work it out. Concerned Ill never get my money. They currently owe me {$7100.00}.

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 monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I was unable to make a successful payment on my auto loan as of the statement of XX/XX/year>. This has caused Ford Motor Credit to accrue late fees, Submit a XXXX late payment, and a repossession on my credit report. I have continuously submitted payments that were returned on the account. As of sometime in XX/XX/year> the online access was revoked. 

I proceeded to contact Ford Credit. They told me to make a payment through XXXX XXXX or XXXX. I exercised that this was extremely convenient because of my work schedule. However, on my free time that was convenient I attempted to make the full payment at my earliest convenience. 

I then found out that the vehicle was repossessed on the morning in XX/XX/year>. This caused over {$1000.00} of fees to be added to account balance, me to take off work, and to travel over XXXX miles without my vehicle. 

I paid the balance in full immediately and still had to wait a business day to receive the vehicle. At the same time Ford Credit did not give me a solution to release the vehicle to a third party. I stated I was not available due to work. However, the repossession company gave me Ford Credits process to release the vehicle to the XXXX-party. I had to be on hold for a total of around XXXX hours. This was attempting to contact XXXX credit to make a payment, review the statement, retrieve the account number for payment, and request a third party release form. 

As of today, I have not received a statement since XXXX 2024. I do not have access to the online account. My credit report is reporting a XXXX late, a closed auto loan, an open and closed collection account, and a repossession.

Company response to consumer: Closed with non-monetary relief