vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: NY

Complaint narrative:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. I have contacted each creditor which they failed to provide me with any original signed documentation, by me, stating that I entered into a contract or owe any debt to these creditors. The credit bureaus are violation the FCRA LAW CODE 609A AND WELL AS SECTION 605B. Information that does not belong to a consumer, must be removed within 4 business days of receipt of this information. I have contacted my attorney, who will be in contact with you in case there is not a timely manner and this matter is handled correctly. The following information does not belong to me, and i am requesting under federal law and well as the Uniform Commercial Code, that this information is PERMANENTLY DELTED. 

XXXX/XXXX  # XXXX {$330.00}, XXXX # XXXX {$560.00}, XXXX # XXXX $ {$740.00}, XXXX XXXX  XXXX XXXX {$670.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX  XXXX XXXX {$610.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX # XXXX {$500.00}, XXXX/XXXX  # XXXX {$2200.00}, XXXX/XXXX  # XXXX $ {$0.00} XXXX XXXX  XXXX # XXXX {$0.00}, XXXX XXXX  # XXXX {$0.00}, XXXX  # XXXX {$610.00}, XXXX XXXX XXXX # XXXX {$370.00} XXXX XXXX XXXX  # XXXX {$0.00} XXXX XXXX  XXXX # XXXX {$0.00} XXXX XXXX XXXX  # XXXX {$0.00}. 
FAILURE TO COMPLY WITH REQUEST WILL RESULT IN A LAW SUITE THAT WILL INCLUDE ANY AGENCY REPORTING NEGATIVE INFORMATION TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: LTD Financial Services, L.P.
State: FL

Complaint narrative:
I have disputed several items on my report that are not mine. They keep telling me they verified it as mine but give me no proof. XXXX XXXX, LTD Acquisition, A Bankruptcy that I NEVER filed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I sent out a Demand letter and Cease & Desist letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX, a disputed apartment rental account for {$740.00} was resolved in my favor as the apartment management company could not prove that the amount they stated I owed for carpet repair was true and correct. I was also charged a rental late fee at time of move out. This was a final payment, not a regular rent payment which I had to mail and did so the last day that the apartment was in my name in XX/XX/XXXX. I moved out XXXX XX/XX/XXXX and they acknowledged receiving payment on XXXX XX/XX/XXXX. I had to mail this payment as I am military member and was on PCS orders at that time and was not in the local area. I eventually paid the {$95.00} balance on account to avoid affecting my security clearance although I still dispute that amount as well. My credit report and rental record still erroneously reflect the full balance of the {$740.00} as a collection account. The account balance is wrong and I paid what was owed which was {$95.00}. Transworld needs to update the original amount owed on my credit report to {$95.00} as that what was actually owed. The {$740.00} original balance was erroneous, wrong, and incorrect as it was disputed and acknowledged as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Contacted Credit bureaus on Hard inquiry Not recognize XXXX XXXXXXXX XXXX XXXX XXXX  inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Contacted Credit bureaus on Hard inquiry Not recognize XXXX  XXXX XXXX XXXX XXXX  inquires

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 2022-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
CFPB XXXX XXXX. XXXX ARS National Services just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I have had Credit Karma for years. I recently saw that their savings account had a better APR than my current bank, so I opened an account and swapped a big chunk of my savings into this account. This totals to {$5300.00}.

Shortly after depositing it, they put a freeze on my account. I got an email saying they needed a photo of my ID and a recent bank statement. I found this weird, and asked why but was not provided an answer.

I sent them what they needed, and never heard back. When I reached out again, they said they needed a bank statement in PDF form, a selfie with me holding my ID under my chin, and a photo of the back of my ID with all four corners visible.

Again, these are very weird requests. I was growing impatient and just sent it.

They replied back saying they needed the same thing. I said I already sent it, but I sent it again.

At this point Im furious, I go on their app to the customer service chat, and the lady, whose name was XXXX, said she sees all my documents, they were all perfect and exactly what they needed, and was transferring my case to a specialist. She said they had everything I needed and I should hear back from them within an hour.

I didnt, I didnt hear back for over two days. That was today, at XXXX am, they messaged me and said that I needed to upload the bank document in PDF form. 
I did, and luckily this was the fifth time I was asked, so I took a screenshot the last time to show it was in PDF form. I also took a screenshot of XXXX telling me she could see all my things, she listed what they were, and she said that she could see them and they were perfect. So I sent that to. 
I already sent the PDF, of something they shouldnt need, Im my opinion.

Also, through all of this, Ive been asking for the reason my account was locked and not one person provided me a reason, they all said it was confidential and they could not tell me until my case was resolved.

I put this money in credit karmaa savings account to earn more money monthly in APR, not to give them a loan. At this point, I want it sent back to the account I sent it from, I want the account closed entirely, or I want to find a way to press this further because this is awful and annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I received an email invitation to apply for a loan. I applied and was approved. The debt consolidation was to be for a credit card and a personal loan. The payoff for the loan had to be sent by the company, which I completely understand. The problem was there was no way to pay my one lender in their predefined website fields. Which disqualified me for the loan. When I called to get this resolved I was told I had to withdraw my application. Which resulted in negative effects on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On my Citi Double Cash Card ending in XXXX for billing period : XX/XX/22 to XX/XX/22 statement, I was charged on XX/XX/22 two interest fees of {$0.00} and {$14.00}. 

I called the credit card company and had them reversed. The agent was helpful and I am satisfied over all with the Citibank. 

What worries me and what my complaint is concerning is that when I asked the agent how and why the these charges appeared on my statement she said that I had received a phone call and accepted a special offer for a special interest rate on purchases. Neither my wife nor I received such a call and there is no reason to accept such a rate because we pay off the card each month. I am concerned that this is a way for Credit Card companies to obtain millions of dollars from consumers that may not examine their statements closely and never even get a " special rate call ''. I am alerting CFPB to see how often this is happening.

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 2022-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2022, i discovered that the check that i has sent to pay my property taxes never arrived to the Tax Collector. 

Check amount : {$1.00}, XXXX- Chase Bank- check number XXXX in fact the check was stolen, altered and cashed by another Chase customer, in my own neighborhood branch. This information was given by Chase customer service when i filed a claim. the first name on the check was whitened out, replaced and the last name of the Tax collector was changed. 

Chase knows who cashed the check : the woman is one of their local client ( same branch i filed a claim into ). But, under pretext of privacy, Chase does not want to take any action because, according to their rule, the time limit for complain is over.

they are helping a thief instead of a senior and honest customer.

i have tried numerous avenues, claims with Chase, filing with the police and then Sheriff nothing worked yet what can you do?

WHAT IS THE FEDERAL RULE? the sheriff told me that the bank is responsible, having to check, verify the order of the check, before paying it, especially for such an amount. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: OK

Complaint narrative:
I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Accounts : XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11 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: IN

Complaint narrative:
I had an American Express opened since XXXX I used this card than fraudulent case happened and I have filled for fraud and do to XXXX I can not pay the amount. I have filed a fraud case for {$21000.00} my card was stolen oversea and customer service department fraud department in American Express know this. The credit team decided to close my account while I have fraud opened i will not pay a cent until my account is opened. 

Kind regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed fraudulent transactions in my Wells Fargo credit card. I received a text message on XX/XX/XXXX regarding a transaction " XXXX XXXX '' for XXXX, I instantly called Wells Fargo regarding these fraudulent charges. They said they would give me a new card. However, several more transactions continue to be processed for weeks, even when Wells Fargo switch my credit card account. They continue to allow interest charges on the account then after a few weeks with no resolution I closed the account ( before I did the Wells Fargo representative told me it wouldn't affect my Credit Score but it did ). Afterwards, the account was frozen and Wells Fargo credited, supposedly, credited all fraudulent charges. In XX/XX/XXXX, I contacted Wells Fargo regarding the balance I needed to pay. They stated that I owed XXXX, asked what/why are those my charges yet no one in Wells Fargo ever answered my question and advised me for months to not pay the balance since it was still being reviewed. Now Wells Fargo Executive Team is failing to contact me and resolve this situation regarding where the amount of transactions are coming from and remove interest/late charges since Wells Fargo employees insisted that I not pay every month, which has also negatively affected my credit score.

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 2022-08-11 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: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-08-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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