vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed my daughter 's credit card was being charged fraudulently, so I started the dispute process with Apple. The rep asked me to look over the rest of the charges on her card to ensure we got them all. I noticed a recurring charge of {$14.00} from XXXX that we did not notice, and the representative add the charges to the dispute. She had me check my XXXX account to make sure there were no services we mistakenly signed up for. There was not any on my account. The dates for these charges were XX/XX/XXXX until XX/XX/XXXX. There were numerous of other fraudulently charges that kept coming thru even after they supposedly reset her card. Finally, on XX/XX/XXXX I received an email from Apple stating that XXXX showed proof the charges were valid, and they were removing the provisioning credits for the XXXX charges. I called immediately and spoke with a representative asking what proof was provided. He said he did not know ; they are not allowed to see it. I said put a supervisor on the phone. How are you going to tell me you can not provide me with what proof XXXX provided to validate the charges. The supervisor told me they were unable to see the information. She would have to request the information be provided from XXXX and I should receive it in the mail in 7 days. Because of the continuous fraud attempts, I had to ask them again to reissue her another card number, because the old one was still receiving charge attempts. I never received anything in the mail, I texted today XX/XX/XXXX asking where the information is and was told they have to request it and send it to me in email. I keep getting the run around. All I would like is the information provided by XXXX. At one point the representative on the call even suggested that I call XXXX. I asked why I should call the merchant ; they can not search charges with my credit card number. This whole process has been a nightmare!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: United Check Recovery Bureau, Inc.
State: NC

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XX/XX/year>. my SS is XXXX i live at XXXX chelton XXXX XXXX and i have reason to believe that a check from the united states government was stolen from me. I believe that the check was intercepted and was sent to an address that i no longer reside. unfortunately some of the individuals that took part in the fraud were my own family members. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all deposited funs from the check in one way or another. and i suspect other checks too. If you could look into the matter i would be appreciative. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-03-12 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Thats on XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX of Toyota Motor Credit Corp a letter of Instructions attached with a Tender of payment to discharge my account. XX/XX/XXXX Toyota Executive office replied with a a letter say that they dont except Any Tender of Payment unless its US Dollars. In pursuant to House Joint Resolution 192, Public Law 73-10, UCC 3-104 ( c ) XXXX XXXX XXXX XXXX. The entire taxing and monetary system are hereby placed under the XXXX ( XXXX XXXX XXXX ) TheFederal Tax XXXX XXXX of XXXX. Toyota Motor Credit Corporation has yet informed the IRS of this transaction. After doing UCC 11 search theres no actual Lien under my name or on my vehicle. The IRS informed me that this company may be doing fraudulent paper work.

This company is attempting to Extort me at this point.

I am now revoking all Powers Of Attorney, Security Interest and any other obligations I may signed or given this company. I will be attaching an official Notorized Cease & Desist letter along with a Right of Rescission letter. I no longer want to continue doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: NY

Complaint narrative:
Spoke with XXXX XXXX XXXX of XXXX, after much discussion we decided to go into the settlement program. We where set up with level one law and then money to payback the credit cards would Be deducted monthly. By XXXX I started to get a feeling something wasnt right. I noticed not much progress with the creditors. I reached out end of XXXX, no one would pick up the phone. I send an email XX/XX/XXXX. No one responded back : I tried calling again and texting XXXX XXXX. No response. Then I called again this past week of XXXX and the phones would make an announcement and then disconnect and then it seems I have been blocked by XXXX XXXX. I reached out to global holdings who take the money from me for the program, and they said that the company is on pause due to litigation. So now I can not cancel this program and I need my money back.

Company response to consumer: Untimely response
Consumer complaint received 2024-03-12 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I recieved a letter stating they were going to fwd account to an attorney if not paid or payment plan.. I believe I have asked this company for validation which I never received until XXXX XXXX knocked on my door to deliver the threatening letter..I decided I would contact the company even after seeing all the bad reviews they have online.. I spoke to a representative he did verify me but then starting talking about account then he gave me the mini XXXX which should have been stated after verification.. I then asked to be fwd to a manager.. The manager got on the line and was ready to talk about my issue..Did not tell me the call was being monitored or recorded nor did he verify me which is not legal at all..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I was sold GAP coverage at the time of purchase through XXXX and Bridgecrest ( their lender ). 

During the time I had Bridgecrest my app would not work and my balances would not reflect what was in there internal system. One time it said I had paid everything and then suddenly it pops up as late. I immediately pay the difference when it came through on the app and notified them. They told me " it does that sometimes. '' I expressed concern about my credit as I ALWAYS pay early and the full amount. 

As of XXXX, all my car payments were made and everything was caught up. That day I was in a wreck that totaled the car. Immediately notified the lender and insurance companies ( to include the GAP ). After MONTHS of Bridgecrest not sending information to the insurance company, I have several remarks claiming I had been late. I have NEVER been late. Now my credit is dropped over XXXX points because it reflects that I had late payments. Bridgecrest has been paid in full by my primary insurance and then the GAP coverage that THEY SOLD ME! In addition, there is some magical new balance that did not exist and they are forcing me to pay it. They are completely out of control and need regulated. I have been told this was resolved. I was told it wouldn't hurt my credit. I was told it would be covered. This is unacceptable. I have a XXXX and XXXX XXXX has been paid to call them at least 10 times and they refuse to email confirmations or give us anything we can use for accountability. I request that you pull the recordings and correct this immediately. I am a single mom and XXXX XXXX owner. I need my credit to be accurate and the businesses to be fair and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
On XX/XX/2024 I sent to Mr. Cooper Mortgage Company all of the required documents to change the title of our house from my wife and me to my wife and me as trustees of a XXXX XXXX XXXX. We faxed them all the required documents such as quit claim deed, marriage certificate, a copy of the trust, a copy of our son 's birth certificate, etc. 

I sent it via a secure computer based fax called XXXX and I received an email confirmation that Mr. Cooper received the fax. Despite this, 2-3 email attempts at addressing this issue have gone unanswered except with stock reply emails that never addressed the issue. 

We want hem to acknowledge our submission and to change the title of the mortagage to reflect our trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America keep taking money out my account then charged me two times for things then remove things off your account there taking my money and I know it. Then have you paying XXXX maintenance fee

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 2024-03-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This negative item does not meet the FCA reporting requirements. I do not recognize how and why it is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/year>. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX Credit Card conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.

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 2024-03-12 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: FL

Complaint narrative:
I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/2024. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX XXXX XXXX  conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.

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 2024-03-12 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: FL

Complaint narrative:
I have recently discovered that my personal information has been compromised, resulting in unauthorized information appearing on my credit report. I am writing to formally request the removal of this unauthorized and fraudulent information as soon as possible. Enclosed with this letter, you will find copies of the following documents that support my claim of identity theft : A copy of my government-issued identification ( e.g., driver 's license or passport ). 

A copy of the Identity Theft Report filed with the City of XXXX XXXX, FL on XX/XX/2024. 

A copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, completed and notarized. 

Any additional documentation related to the fraudulent accounts, such as correspondence with the creditors and any dispute letters I have sent. 

Request for Investigation and Removal : I kindly request that XXXX XXXX XXXX conduct a thorough investigation into the unauthorized accounts mentioned above. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that these accounts should be removed from my credit report promptly, as they are a result of identity theft and not a result of my own actions. 

I have attached a copy of the police report and any relevant documentation that supports my claim of identity theft. Please find these documents enclosed with this letter for your reference.

Company response to consumer: Closed with explanation