vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: I.C. System, Inc.
State: PA

Complaint narrative:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inquiries that I did not apply for nor benefit from and would like them taken off my credit report immediately. My identity was stole recently and I filed a FTC report as well to go along with my claim. Please remove the inquiries from my Transunion and XXXX  credit reports. My Information was stolen and used to apply for credit. According to 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15 USC 1681b - Permissible purposes of consumer reports, XXXX XXXX XXXX XXXX never gave Equifax written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Please remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a bank account at Chase bank for myself and a XXXX XXXX account for my XXXX XXXX After having these accounts open for a few months I began to get XXXX  XXXX notifications to my phone stating that someone has logged into my account, someone has changed my password, someone has added a new phone number to the account. I contacted Chase right away on XXXX XXXX and I was told to change my password, my user name and the password for the email that I used to originate the account. I did all of that and I was told it was all fine. The next day I received the same notifications. I contacted Chase and asked to close the accounts as someone was clearly hacking them. I was told them could not be closed unless I came in in-person to a location because my account had too much money in it. This was on Sunday. Because of the holiday weekend the banks won't open until Tuesday. I explained that all of the money would be gone by then. They declined to comment on that. I have been on the phone with them for most of the day, transferred to departments that are closed, dead numbers, hung up on and told to, " Have a nice day and thanks for banking with Chase! '' as I was sobbing into the phone and begging them to close my account as my phone is pinging with notifications that people are getting in. They will do nothing. My online account is locked so I can't even see what my balance is. I can only wait until Tuesday and then see what ruins are left of my life. They still are refusing to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX I sent {$400.00} through ZELLE. ( My financial institution is XXXX XXXX ). It was a scam with zelle recipient XXXX. name is XXXX XXXX. It was a down payment for a XXXX XXXX. I drove 3 1/2 hours to pick up the puppy & the house is vacant and no puppy! I notified XXXX  XXXX & they sent a letter to me that there's nothing they can do? XXXX XXXX did say they let Zelle know about this scam, but with everyone trusting Zelle ( I thought, ) because it's backed by our bank. The verbiage is not clear! I don't feel this is fair for anyone that works hard for every dollar & a law abiding citizen to trust a Zelle and XXXX XXXX together site to just let this happen and let the criminals get off like this & all I get is " we can't do anything. '' This is crazy! I really need my money returned. I need your help, please pass this to Zelle & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Bankers Auto Acceptance
State: CA

Complaint narrative:
There has been several attempts made.The trade line was removed from my credit report several times and the company added it back on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX I noticed an unusual drop of about 50 points on equifax and XXXX. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX I noticed an unusual drop of about 50 points on XXXX  and XXXX. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: NC

Complaint narrative:
Inquiries that I did not apply for nor benefit from and would like them taken off my credit report immediately. My identity was stole recently and I filed a FTC report as well to go along with my claim. Please remove the inquiries from my XXXX  and Equifax credit reports. My Information was stolen and used to apply for credit. According to 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello. My current problem is that Coinbase.com has my account in " review '' status for over 3 weeks and I can't use my currency or do any movement on the account.

They don't seem to answer my replys and it's been quite impossible to move my account from the current status I am right now. 

The account affected is : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The phone number XXXX isnt my number nor am I affiliated to that number. I have never lived in Florida. The address of XXXX XXXX XXXX XXXX FL XXXX isnt my address,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
There are several inquiries on my credit report that I have no clue where they came from. I did not give these companies permission or authorization to review my credit. I have not attempted to open any types of accounts with them either. I have attached all requested information to have this fradugelent information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There has been several attempts made.The trade line was removed from my credit report several times and the company added it back on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The phone number XXXX isnt my number nor am I affiliated to that number. I have never lived in Florida. The address of XXXX XXXX XXXX XXXX FL XXXX isnt my address,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The phone number XXXX isnt my number nor am I affiliated to that number. I have never lived in Florida. The address of XXXX XXXX XXXX XXXX FL XXXX isnt my address,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent {$300.00} sent on XX/XX/20 to someone who changed her phone number and no longer using the account $ XXXX which is where the money went to. However, since her number was changed, she no longer had access to this account and was unable to cancel, or refund the money 's sent. The response I'm getting from the company " Cashapp by Square '' is that they're unable to cancel or refund any transactions that were complete. Problem is, the funds were never accepted, or completed by her because she didn't have access to the account, the phone number associated with it, or the phone. If the transaction hasn't been completed, they should be able to reverse it. I explained to the reps that the transaction was never completed on the other end and cancelled on my end, but they're refusing to assist me with recovering my funds that's just sitting there which has been drafted from my account. I continue to advise that the person receiving the funds was unable to accept and complete the transfer because she had no access to the phone, or account any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: NM

Complaint narrative:
On about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, MBFS report 3 missed pmts in my credit report when I had no clue that the loan was even late, my ex girlfriend is the primary on this lease and I was never informed to this late pmt!!! She called them crying because they had a repo status on this car. So she called me while they were on the phone explaining that this was due to Covid-19. I then pay the late pmts in full to catch this loan up and ask MBFS why I wasnt called when it was 30 days late. They told me that the dealership never included my info on the lease which I found to be not true as the took my info for the lease. My ex couldnt get the lease in her name as her credit wasnt good enough so they had me co-sign on the lease. I have asked them if this is the case then why did the need my info. I have called them repeatedly to remove the late pmts on my credit file as I had extremely good credit at the time and it dropped my score due to her missing the pmts. I find this disturbing as I was never informed of the late pmts but still being held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: FL

Complaint narrative:
My debit card was stolen and multiple fraudlent charges were made to my account. I am currently banking with Chime and after disputing the charges Chime refuses to update me or issue credit for the charges that occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On Friday, XXXX, I was signed up with XXXX XXXX with a new Mobile Phone, and received a new Mobile Phone Number. Today, XXXX around XXXX EST, I logged into XXXX , then to PayPal Credit 's Website/Service ( which is maintained by Synchrony Bank ) to change my phone number on record. I found out I could not do so over the internet, as I would need to receive a Verification Code to my previous Mobile Number to access my " Personal Information. '' However, I phone number was provided & I called.

However, when I explained what I wanted to do, the Customer Service Agent said that to change my phone number of record, she would have to send an SMS ( text message ) to my *new* mobile number containing a link. I would have to click on that link, and then record a video showing myself and my Photo ID ; which would then be sent to Customer Service over the Internet for verification. 

I was shocked! I attempted to explain how I believed that sending a video over the Internet that contained my Photo ID would be a high-level security risk. Also, that how I believed people *could theoretically* gain access to this video, and thus, my complete Photo ID. And, then, with my complete Photo ID *potentially* leaked onto the Internet, I could become a victim of Identity theft. 

The Customer Service agent did not listen to any of this, and just kept repeating that her company was dedicated to my security. She eventually offered the option of mailing me a letter with a Verification Code that I could then call back with to have my phone number changed. I told her to just send the letter. The Customer Service agent kept speaking about security ; however, by this time I had been on the phone for nearly 11 minutes, and was tired and frustrated, so I merely hung up. 
However, the very idea that Synchrony Bank 's *default* Security process is to send a video containing a person 's Photo ID over the Internet is outrageous. I believe they need to seriously overhaul their system. For instance, identification verification on some websites merely requires a Photo ID to be uploaded as a picture using a Secured Server. That is not a much better process, but it's certainly better than a video sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX I noticed an unusual drop of about 50 points on XXXX  and transunion. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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 — Investigation took more than 30 days
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I disputed this accounts while over 30 days ago with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: VA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Currently, Mr. Cooper has our home up for sale on XX/XX/2021, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages.

Company response to consumer: Closed with explanation