vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have TD CREDIT CARD ENDING XXXX since 2008 almost 13 years of credit history recently they reduced my credit limit from {$11000.00} to {$7700.00} in last one year because they said you are HIGH RISK customer I am keep making more than minimum payment and if they provide credit limit that I should use up to credit limit but they go credit scores and if scores fluctuate they. Also fluctuate my credit limit. I told them to reduce as much as up to {$500.00} credit limit and they warn me that it is going to over limit on your credit report. Why they threaten customer like me and keep doing this kind of practice! Everyone try to improve their credit score and this type of credit card bank keep hammer on our credit score and make worst look on financial world.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXXXXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.

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 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive been trying to get my {$4000.00} back for the past year and a half with no progress. 

XXXX XXXX refuses to help their customers and I have all the chat logs from them. 

Basically I deposited money and when I went to cancel it, I could not get it back. 

Ive already filed a complaint to my bank because I thought thats where the issue was but after their research it turns out the trace number I received from XXXX XXXX did not match anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 2021-11-25 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: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( 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 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a store credit card through Wells Fargo for a Mini Blind company that installed some window coverings in my home. This card has been very difficult to set up as auto payment. On several occasions i have worked with the customer service department from Wells Fargo to try and set up auto debit. i am unable to set it up on my own since i do not have the credit card issued to me. I was told the first time back in XXXX that a new card would be mailed out and i could set up auto pay myself online. This did not happen. I got a call from a rep that the payment was doing to be late, so i had the rep help me submit payment over the phone and then asked again if she could help me. She this time said she could submit a request and it should work. I feel like this issue is finally resolved and fined out in XXXX that the payment is going to be late 30 days if i do not pay it over the phone. Please keep in mind all of these conversations with a rep are from the XXXX. Frustrated, i tell her to pay for both months payments, the previous month that is at risk and the next month. then i ask to be transferred to a United States rep or supervisor. The Agent does and this is why im told that since the payment is being submitted on the 29th day, there is a chance it will process and be reported late 30 days. I advised the rep that this is not fair to me since im paying it within the time limit and my records should already show how much of a struggle this account has been. I still do not have a actual card mailed to me and i do not have faith in the resolution of another attempt at setting up auto payment. 

She assures me that she is going to send my escalated requested to their department that handles credit reporting. 

when i finally get a chance to speak with the escalation agent XXXX. She tells me that she would have to go back and try to listen to the calls but it doesnt look like there are any recorded calls for my account in the past. 

i feel abandoned and given the short end of the stick here. My credit report has a 30 day late and this has caused my credit report to drop 47 points. This has impacted my ability to refinance my car and my home. 

I really need your support here to help resolve this matter.

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 2021-11-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX21 Navient or someone they hired called my girlfriend 's parents. XXXX XXXX and XXXX XXXX. Both of them and provided information enough for them to know it was an attempt to collect a debt on behalf of Navient. I am not sure why they call random people when I have confirmed my number and address multiple times. 
I have made offers how to settle the debt, but the company says they do not have the authority. I quit taking their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I filed a police report and FTC report back in XX/XX/2021 for Identity Theft and submitted it to XXXX and they refused to remove this Item in the amount of {$16000.00}. The account was recently updated on XX/XX/2021 which is innacurate. I also challenged the company Regional Acceptance and they never responded. I dont know where this debt came from. I have always paid my bills.

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 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I regularly take out " XXXX '' advances on my account. I got behind in repaying the loan and MoneyLion regularly takes out loan payments from my account despite their website saying that I can follow the prompts to remove payment methods in the app, I can not. As a result, on XX/XX/2021 I had a deposit of {$300.00} for my payroll and MoneyLion immediately took {$300.00} dollars of this deposit, nearly all of it, for the loan repayment. I fell that this is predatory and wrong. They have taken the lions share of this month/s income with loan payments and advance repayments and it's literally causing me to go without food and now, possibly shelter. 

Their own website states that consumers are under no obligation to repay the advance, but they make it nearly impossible to stop as the option to remove the payment method simply doesn't exist. 

Further, I attempted to defer the payment in their app, and there is apparently no record of the times I've submitted a deferment via the app. 
https : //moneylion.zendesk.com/hc/en-us/articles/360033425931-What-happens-if-I- can not -make-my-Instacash-repayment-

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I closed my IRA with Suntrust because they don't have any branches in XXXX XXXX. As a result, I was apparently sent a check of {$200.00} issued by Suntrust XXXX, with the instrument number XXXX -- but I never received it despite regularly receiving multiple types of correspondence from Suntrust before and after closing the IRA. 

XX/XX/XXXX I reached out to Suntrust regarding the {$200.00} check that I never received. Both persons with whom I spoke informed me that I would have to fill out a form and have it notarized : a " Lost, Stolen or Destroyed Official Check Or Similar Instrument XXXX XXXX and XXXX of Loss. '' XX/XX/XXXX I realized I would have to pay a notary {$65.00} to receive back my {$200.00}. Notaries weren't working in offices due to the pandemic, so there was a {$35.00} house call fee. Yet Suntrust mailed me the XXXX XXXX form just fine and I still hadn't seen my check in the mail. Furthermore, to spend {$65.00} meant I was being fined for the bank 's loss of my check. And there was no guarantee that spending the money would actually ensure receipt of a second check. It was a quandary. 

XX/XX/XXXX I recently learned about the CFPB handling a case similar to this one -- with success! So, now I would like to obtain the {$200.00} from Suntrust that is rightfully due to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 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: CO

Complaint narrative:
Comenity Full Beauty claims I opened a credit card account in XXXX, used the card, and didn't pay the bill. In XXXX I contact XXXX XXXX XXXX as they are the ones who alerted me to the new account and filed a fraud report. Now this credit card issuer is negatively affecting my credit score. I filed a dispute with XXXX and in two days they claim they verified with Comenity that I opened the account. I did not open, nor use, such an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25 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: NJ

Complaint narrative:
I have XXXX  CREDIT CARD ENDING XXXX since XXXX almost 13 years of credit history recently they reduced my credit limit from {$11000.00} to {$7700.00} in last one year because they said you are HIGH RISK customer I am keep making more than minimum payment and if they provide credit limit that I should use up to credit limit but they go credit scores and if scores fluctuate they. Also fluctuate my credit limit. I told them to reduce as much as up to {$500.00} credit limit and they warn me that it is going to over limit on your credit report. Why they threaten customer like me and keep doing this kind of practice! Everyone try to improve their credit score and this type of credit card bank keep hammer on our credit score and make worst look on financial world.

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 2021-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C System has been reporting debt that has never been owed and was paid directly to XXXX. In addition i have tried numerous of times to have issue resolved with them however they refuse to do anything about it. They never validate debt correctly, they provide wrong information to Credit Bureaus which in return damage my credit and reputation. Most recently for the month of XXXX they have affected my credit drastically by XXXX points by double reporting- this is not the first time they have done this back in XX/XX/XXXX they attempted to do the same however they deleted one of the profiles and continued to attempt to collect for the same items that have already been paid in full. This month of November they decided to double report negative inaccurate information once again. They reported account twice in one month with Zero Change one action was done on 1XX/XX/XXXX second action was done on XX/XX/XXXX which is in violation of the FTC Reporting Act i am emotionally drained and devastated with dealing with this company and all of their illegal tactics. It seems that they are not held accountable for any of their actions.

I have already asked them to seize communication with me in addition i am ready to file a report with local police department as well as i have never owed this debt to XXXX or IC Systems.

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 2021-11-25 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a store credit card through XXXX XXXX for XXXX XXXX XXXX company that installed some window coverings in my home. This card has been very difficult to set up as auto payment. On several occasions i have worked with the customer service department from XXXX XXXX to try and set up auto debit. i am unable to set it up on my own since i do not have the credit card issued to me. I was told the first time back in XXXX that a new card would be mailed out and i could set up auto pay myself online. This did not happen. I got a call from a rep that the payment was doing to be late, so i had the rep help me submit payment over the phone and then asked again if she could help me. She this time said she could submit a request and it should work. I feel like this issue is finally resolved and fined out in XXXX that the payment is going to be late 30 days if i do not pay it over the phone. Please keep in mind all of these conversations with a rep are from the XXXX. Frustrated, i tell her to pay for both months payments, the previous month that is at risk and the next month. then i ask to be transferred to a United States rep or supervisor. The Agent does and this is why im told that since the payment is being submitted on the XXXX day, there is a chance it will process and be reported late 30 days. I advised the rep that this is not fair to me since im paying it within the time limit and my records should already show how much of a struggle this account has been. I still do not have a actual card mailed to me and i do not have faith in the resolution of another attempt at setting up auto payment. 

She assures me that she is going to send my escalated requested to their department that handles credit reporting. 

when i finally get a chance to speak with the escalation agent XXXX. She tells me that she would have to go back and try to listen to the calls but it doesnt look like there are any recorded calls for my account in the past. 

i feel abandoned and given the short end of the stick here. My credit report has a 30 day late and this has caused my credit report to drop XXXX points. This has impacted my ability to refinance my car and my home. 

I really need your support here to help resolve this matter.

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 2021-11-25 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: MI

Complaint narrative:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 explanation