vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my Equifax and XXXX credit reports. I immediately called XXXX XXXX to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( XXXX XXXXXXXX ) about the fraudulent credit card application. I then called Equifax and XXXX and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called XXXX XXXX back to inform them of this information, they insisted that they do not provide such letters to people. I called XXXX XXXX back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait 30-60 business days for it to be removed. I tried filing three fraudulent disputes with Equifax : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My credit score has dropped significantly due to this fraud. I have been unable to receive any assistance from XXXX XXXX ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if XXXX XXXX reported it promptly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase checking account I believe has been duplicated using my information to make another checking account with my same credentials by way of phone. My phone has been hacked several times since XXXX and have even been gang stalked. This past week has been a nightmare because my phone has been hacked in to every day this week. When I checked my bank I noticed a lot of unrecognizable transactions. My another phone was hacked into at the beginning of the summer but hadnt checked my bank account thoroughly. Also a lot of repetitive XXXX transactions that I clearly do not recall. Somebody has been XXXX  themselves a few hundred here and there. The gang stalking begins shortly after they find out that I realized Ive been hacked. Also my car was also hacked into to see my where about I would guess. Theyve intercepted XXXX, XXXX, and I believe XXXX calls Ive made. Ive walked into Chase to ask for printouts and try to explain my situation and staff was zero help or concerned. I went to XXXX several times to replace my SIM and eSIM several times as well with no luck because shortly after they would right into it again. XXXX support send me to XXXX XXXX XXXX XXXX and they were able to help so I came home and hooked up to my XXXX XXXX  and rebooted it myself and speechless as how I could and they couldnt. Maybe they track to see where Im going for phone repair and call and act as law enforcement? Pleas help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I disputed and requested validation with Calavry Portfolio Services LLC. I requested that they show proof that they are licensed to collect in my state ( Tennessee ), detailed billing history for the account, amount owed and how it was calculated, and the agreement because I am not aware of who they are. The first letter they sent stated i owed them or a debt had been sold to them. After i asked for validation they sent me nothing stating that they are able to collect in my state and a balance of XXXX with clumps of what seems to be nothing but paper and saying that it is valid. There was over XXXX pages that are either blank or has homedepot advertisements and nothing else on it. One page stating regulations for California, Colorado, Massachusetts, Minnesota, New York, Utah, and North Carolina. but nothing about if are you licensed to collect in Tennessee. I sent them another certified debt verification letter on XX/XX/XXXX to make sure i had proof that i had tried to communicate with them. I did get a response on XX/XX/XXXX for my first request and it had nothing i asked for. I will be waiting to see what the response is for the certified letter I sent them on XX/XX/XXXX Company Name : Cavalry Portfolio Services Address : XXXX XXXX XXXX XXXX, CT XXXX First letter they bought or sold things. I think it was XX/XX/XXXX. I sent a letter back asking them for validation. 

Date I received my first response was XX/XX/XXXX they said i owed XXXX. How did they come to that amount? how was that calculated? 

Sent over XXXX pages of fluff. - blank pages - homedepot advertisement - internet printed credit card agreements ( it looks like someone just printed a random agreement off the internet ) - and more blank pages I sent another debt verification to them on XX/XX/XXXX certified mail because i had no proof i sent them anything and did not want this to escalate. I am currently waiting on my response. Certified letter should reach them XX/XX/XXXX. I hope that they send me actual documents and not over XXXX pages of fluff. I would prefer this ends here and they remove it off my credit, not sale/buy anything that i did not give them permission in the first place to anyone else. I would prefer a letter in writing that this is done as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
I did a mobile deposit on XX/XX/2022 and it was for {$2000.00} from a XXXX XXXXXXXX  XXXX  I signed up for online. I was told it would be available on the XXXX  and when I went to check my account to see how much money I had available not including the deposit I made, my account was locked online and I have had no access to my direct deposit from social security or any other money. I went in person on XX/XX/XXXX to the XXXX XXXX XXXX Key bank XXXXXXXX and sat down with the Bank manager and she verified my identity and took copies of everything that I had for the mobile deposit I made. I have been locked out of my account for almost two weeks now. The bank manager told me since I went in there and showed ID in person it would expedite the process. I have called several times since I went in and they have no information and said I have to go into the XXXX XXXX branch in person because they are the only ones who can un freeze my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My chime account was closed was closed XX/XX/2022 and I didnt get a warning email to remove my funds. They just closed it and sent and email after, I contacted them about my funds and they have been charging my account STILL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia I never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is Experian credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on Experian they fell into remove all other credit bureaus remove the stuff because it's not 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 2022-12-25 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: NY

Complaint narrative:
I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia XXXX never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not 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 2022-12-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an account that was closed that's still was on my credit report stating potentially negative if the account is closed nothing should be potentially negative nothing should be on my account it should be removed not potentially negative also they have an auto loan on that XXXX  credit report that does not belong to me and I keep telling them that I do not live in Virginia I never lived in Virginia I've never even been through Virginia but all of this stuff was on my credit report why is XXXX credit report not matching what the other credit bureau agencies this is a big major concern with nobody giving me answers all inaccurate stuff on XXXX they fell into remove all other credit bureaus remove the stuff because it's not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: VA

Complaint narrative:
Hi CFPB customer care With XXXX XXXX XXXX  credit card account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the TRANSUNION CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXX during XXXX and XXXX via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' on TRANSUNION CREDIT reports as well late payments reported in TRANSUNION CREDIT reports associated with these XXXX XXXX XXXX  credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation. 

And to add previously I have submitted compliant XXXX with cfpb and they said it is resolved but still my credit report shows same remark, could you please remove that remark

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America free checking offers checking yet I am being charged {$10.00} maintenance fee for the month of XX/XX/2022 when I should not be charged at all in the maintenance fee for this account I would like bank of America to refund {$10.00} I have a negative in my balance because of the maintenance fee with prejudice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 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: VA

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 group # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I receive a call from Portfolio Revovery at least once or twice every day. I have repeatedly let them know the account does not belong to me and that I have even tried to dispute it and it still remains on my credit report. They are rude and continue to call and harass. I have blocked their number for over 2 years and every time they call again from multiple different phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I made a purchase from. XXXX in XX/XX/XXXX through Affirm and received a price adjustment through XXXX. I noticed that it was not applied to my account and I filed a dispute on XX/XX/XXXX. I was told that I could not make any payment while in dispute and that it would be resolved by the end of XX/XX/XXXX. I never received a response from Affirm and just noticed on XXXX XXXX, that my account was charged off. This is very shocking and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am invoking my specified remedy as the original creditor and the consumer. I have attempted to resolve this matter with Experian by disputing incomplete/inaccurate information. Proof of this dispute can be found via XXXX XXXX Mail - XXXX # XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - It has been 30 days since I have disputed these hard inquires. In response to my CFPB Complaint # XXXX on XX/XX/2022 Experian stated " According to our records, the seven disputed inquires does not appear on your Experian credit report. ". Experian is guilty of giving false or inaccurate information as well as not following procedure in case of disputed accuracy as the inquires in question still appear on my Experian 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 2022-12-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries below are due to identity theft. I've contacted Equifax for the last seven months, as well as sent in the FTC report several times, and the inquiries remain on my credit report. 

XXXX XXXX, XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation