vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-08 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
50 States wide illigal deeding issuing frauding me and my families documents.

families documents in medical They FRAUDED XXXXXXXX XXXX XXXX XXXXXXXX transcripts and XXXX XXXX XXXX XXXXXXXX transcripts Herds listed as security guard scams against my 1 security guard card Land development ideas inserted my documents as land development ideas and towns XXXX  and as departments and schools and colleges and professors Herds of fraudulent attorneys and lawyers and judges frauding me and my families documents Herds of imposter identification population identification scams frauding me and my families documents in XXXX and in Sec.gov i only had 1 registration thru XXXX ( first was under XXXX then XXXX ) I am divorced out from XXXX XXXX XXXX of XXXX  XXXX In He was a XXXXXXXX XXXX XXXX XXXXXXXX XXXX I won't authorize all 16 Countys wide listed in California to fraud my documents or as subdivisions there wanted for illigal deeding using my Cole documents and as add ons to my information

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Filed a not as described claim with Capital One on XX/XX/XXXX Amount XXXX Merchant- XXXX XXXX XXXX XXXX  a celebration charter for our XXXX anniversary, I was promised decorations and a surprise entry. There were no decorations and the crew celebrated by drinking and smoking during our charter. I initially requested XXXX from XXXX, but was denied compensation. XXXX XXXX XXXXXXXX provided XXXX, and I refused that amount. I then presented a dispute for XXXX with my bank, and was also denied compensation. Capital One stated there was no contract, but there was an invoice and emails stating that the owner did not do as promised. The credit was returned to my account twice, and finally I was told I needed a contract? Also the dispute was extremely confusing because Capital One combined my dispute with XXXX XXXX refund that I refused. ( Same account number? ) When I would call to inquire they were not able to understand what case number I was addressing. It was very confusing and I requested they fix it, it was never done. 

I feel as if I should be compensated because I made the purchase under false advertising. This charter specializes in celebrations. We did not celebrate, the crew was fishing and partying during our charter. I brought a playlist, the DJ played what he preferred. The captain and crew were drinking and we were served our cold meals with the crew. I presented pics as well, and XXXX does not promote drinking during the cruise, but the owner and crew can drink? I took pics because I was not celebrating and I was bored the little time we spent on the yacht which was approximately XXXX minutes and they were fishing. It was suppose to be a XXXX hour cruise celebration. 

Again the owner agreed to his failure to provide services via text, which I submitted as well. Only to be told I need a contract? 

I feel the dispute was handled very carelessly and you can see they even apologized and told me to disregard the letter sent on XX/XX/XXXX? Also sorry for any inconvenience, well the entire process was an inconvenience, plus I received XXXX dispute updates and resolutions? With a dispute and refund combined with the same case number? Completely frustrating and tiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
I was a victim of ID Theft about 3 yrs ago. I went a tax service to have my taxes prepared, later I was informed that I may have been a victim of ID Theft. I ordered a copy of my report and noticed several items that I did not personally opened. I am requesting the following items be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$38000.00} XXXX opened XX/XX/XXXX balance : {$35000.00} XXXX opened XX/XX/XXXX balance : {$18000.00} XXXX opened XX/XX/XXXX balance XXXX {$8700.00} XXXX opened XX/XX/XXXX balance : {$10000.00} XXXX opened : XX/XX/XXXX balance : {$2900.00} -XXXX  opened : XX/XX/XXXX balance : {$15000.00} -XXXX  opened : XX/XX/XXXX balance : {$14000.00} XXXX XXXX XXXX  opened : XX/XX/XXXX balance : {$18000.00} XXXX opened : XX/XX/XXXX balance : {$7200.00} -XXXX  opened XXXX XX/XX/XXXX balance : {$2800.00}

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 non-monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: MI

Complaint narrative:
The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Active, 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. The following accounts are included 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 explanation
Consumer complaint received 2024-02-08 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
After consulting with XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid, on Monday, XXXX XXXX XXXX, I wrote and posted a NOTICE TO CEASE COMMUNICATIONS letter to Midland Credit Mgt , Inc. ( hereafter, MCM ). 

The first paragraph expressly states, " You are hereby notified to immediately cease all communications with me regarding the collection of a debt. This includes by telephone, mail, email, or any other means of communication to my home. 

I went on to inform MCM that " The debt is not enforceable because I am a low income senior citizen ; I have no cash reserves or other income to satisfy this debt. My sole income is Social Security which is collection proof ( judgment proof in common parlance ). Social Security is exempt from garnishment [ per Federal law ]. '' I also expressly stated in my letter to MCM that " Any further contact by your firm is a violation of the Fair Debt Collection Practices Act and could result in judgment against you for actual or statutory damages plus attorney fees. '' On Thursday, XXXX XXXX XXXX  I received a phone call at XXXX XXXX XXXX, even though I had expressly written the above letter referencing MCM 's account # XXXX regarding collections communications cease. 

I declined this telephonic communication. 

I do not intend, nor do I have any desire to be harassed by any member or assigns of MCM , Inc. The Fair Debt Collection Practices Act is quite clear on this point. MCM was put on written notice that I have to desire for any and all communications from them. 

XXXX XXXX is not on retainer. She merely provided advice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
DEAR EXPERIAN, XXXX AND XXXX, THE INACCURATE INFORMATION ON MY CONSUMER REPORT THAT I HAVE BEEN DISPUTING WITH YOUR COMPANY KEEPS COMING BACK " VERIFIED '' OR " UPDATED ''. EVERYTHING VERIFIED SHOULD BE UNDER OATH!!!! I HEREBY DEMAND YOUR COMPANY TO PROVIDE ME UNDER PENALTIES OF PERJURY PURSUANT TO 28 USC 1746 WITH THE FOLLOWING VERIFIED DOCUMENTARY EVIDENCE OF THE NAMES AND ADDRESSES OF THE PERSONS WHO YOU'VE DONE THE RE-INVESTIGATION WITH INCLUDING EXACT TIME AND DATES THE INVESTIGATIVE REPORT WAS DONE. PLEASE BE ADVISED FAILURE TO COMPLY WITH MY REQUEST SHALL PUT YOUR COMPANY IN LEGAL TROUBLE XXXX, XXXX XXXX ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/2022XXXX XXXX XXXX XXXXXXXX unknowingly withdrew money from my account that was not authorized. This was an over payment on. A loan that had already been paid in full. I demand a full refund from Cash App, the bank that authorized the transaction. The total amount debited was {$1100.00}. This is criminal and I want someone held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am submitting a formal complaint against Equifax for their failure to respond to a dispute letter that I mailed on XX/XX/year>, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I requested investigations into entries for XXXX XXXX - XXXX, XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and incorrect addresses. 

Despite mailing the dispute letter, I did not receive any response from Equifax with investigation results. This failure to respond violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report and Equifax 's failure to conduct a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: DE

Complaint narrative:
On approximately XX/XX/XXXX I noticed several unauthorized charges to my account from XXXX. I was alerted because I had just recently turned on my notifications for Chime. At first Im thinking its for my XXXX subscription but I knew something was incorrect once I had been charged like XXXX  times in a XXXX wk span. Immediately I reach out to XXXX who is initially confused because according to them no charges had been made on my account. As they look into the matter they see that my card info was in fact linked to another persons account and that they had been making charges to my card since XX/XX/XXXX. At this point im extremely annoyed because XXXX wont tell me who is using my information and also let me know that they had no way to remove my card from that account. Now I call and speak to several representatives at Chime explain the situation and filed a dispute. They denied my claim. Long story short I have talked to countless representatives/supervisors from both Chime and XXXX and I am still in the same situation that I started in. While unfortunately I have to keep my card locked because this person continues to make attempts to purchase things.I evn cancelled my on subscription and asked Chime multiple times to block the merchant but again it continues to happen. I have to say that at least the XXXX employees did everything that they could to help me figure out what was going on including them helping me figure out that the card that was linked to this other account was a card that I had deactivated but for whatever reason they are still able to use it. I am at a loss of over XXXX at this point and no one cares. When I filed these XXXX disputes I provided emails from XXXX stating what card was being used and that the account was in no way linked to me. I also sent Chime pictures of my transaction history from XXXX dating all the way back to XXXX which clearly shows every purchase I made. Now when I appeal it they almost immediately deny it. Im at my wits end and just need some assistance, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: DC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld responded my complaint by sending a statement which is in my name from the creditor. At no point Transworld provided any verification that in fact they own this debt or that I owe this debt to them in direct violation to the FCRA and not allowing me to dispute such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Back in XX/XX/2023, I sent a request to transfer my loans to MOHELA and be put on the SAVE/REPAYE plan, which would involve XXXX XXXX  monthly payments given my current salary. I was erroneously put on the STANDARD plan and charged {$1900.00}. I called MOHELA customer service who adjusted my plan to SAVE but they are still charging me {$1900.00} with accruing interest. I have called them twice since and they told me not to worry about the balance and interest and they would adjust it. Currently, two months have gone by and it is still showing a balance of {$1900.00} and accrued interest of {$3100.00}. Moreover, I am being told that if I don't pay the {$1900.00}, my account will become delinquent or be put in forbearance, which I do not want. I find this particularly frustrating, especially given that I have done nothing wrong and this is all their mistake. Additionally, it feels like there is no accountability on MOHELA 's end for their screw-ups, just vulnerable consumers who end up wasting many hours on the phone with lots of additional stress and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
So in XXXX I was late due to forgetting my password and not being able to reset cause I didn't have my account number and their automated call system made it impossible aswell. So when I was able to to pay them when I got home from a long trip, I called again and got the late fee dropped, through their automated system again and thought i was all caught up cause i didnt use it all that month. But then when I went to use it in XXXX, the card was shut down. Wasting a trip to the store. Called them while there and spend almost an hour talking with 2 different people. It was a 2 dollar fee that shut me off when I wasn't even 2 months late on that 2 dollars.. they refused to drop the the interest on the late fee and said they couldn't reactivate the card for weeks even if I paid the dollars. So I told them if we can't this solved the way it needs im done paying on either of the accounts I have with them. ( Lowe 's and care credit ) cause I needed a new fridge unexpectedly and my dog needed put down.. the only reason I had a card cause ive been so tired if the credit card companies with their rediculous fees and interest punishments.. they refused to work with me so now I refused to work with them. They are impossible to speak with with all the automation and they should not have a free pass to mess up people 's credit over internal disputes. The people need power to put these companies in check. 2 months of reporting both accounts and dropped my score almost XXXX points. And I need a new roof and other big things to where I might need a stupid loan again. Tired of the debt slavery.. across the board in this country. No reason for it. I'm a combat veteran and constantly getting screwed in this economy due to the fincial tactics and career choice in the metal and construction industry. I should not have to be in debt to build a house ive spent life learning how to do and doing for others! We need change and my reps wan na blow me off recently too. So I've been taxed to and indebted to death with no representation. It's beyond messed up and im beyond XXXX, if you cant tell.

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