vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
1 ) Closed my XXXX XXXX XXXX  account in XX/XX/XXXX. 
2 ) Received calls relating to returning my XXXX equipment. Waiting on finalized bill after return of equipment. 
3 ) Called ( I don't remember the date ) to pay my finalized bill after no contact, only to be told that the account could not be found and does not exist. I verified several times with the customer service rep that they could not find my account 4 ) XX/XX/XXXX found an account in collections on my credit report. It was this XXXX account. 
5 ) XX/XX/XXXX called current creditor only to be told they had received this debt in XXXX of XXXX. I had no communication from them until I made this phone call with the number on my credit report. 
XXXX ) They claim they emailed me in XXXX of XXXX. I do not have record of this, and to this date they have not provided record of this correspondence. 
XXXX ) XX/XX/XXXX called XXXX to be told they tried to contact me regarding this bill. The only phone calls I had received from them were asking me to return the equipment ( which I did ). They said they sent letters, but I have no record of these letters. They said they do not email people once their account is closed. I looked for these records and every voicemail they left was from an unknown number, which is a tactic used by telemarketers. I will include screenshots of these voicemails. 
XXXX ) XXXX also informed me that they wrote off this debt to a third party in XX/XX/XXXX. Once again, I have not to this date received any correspondence on the status of this debt. 
XXXX ) XX/XX/XXXX called current third party creditor to ask for their history of correspondence with me. They claimed they most likely could not do so because the time frame was 3 months from the sate of correspondence. 
XXXX ) XX/XX/XXXX filed a dispute on XXXX and XXXX. 
XXXX ) XX/XX/XXXX XXXX removes this account from my credit report XXXX ) XX/XX/XXXX XXXX updates information on my report regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was repeatedly emailed an offer by Chase to set up a checking account with direct deposit and a savings account with {$15000.00} for 3 months, and then I would recieve a {$600.00} bonus. This included on XX/XX/XXXX and XX/XX/2023. 

I enrolled in this offer and opened both a chase checking account with direct deposit and a savings account for 3 months. My chase savings account was opened on XX/XX/2023 with a {$15000.00} deposit. It has sat in this low interest savings account now for 3 month with the expectation that there would be a {$600.00} bonus. However, I was only given the {$300.00} for the direct deposit and not the full {$600.00}. I am asking Chase to honor their promotion and provide me with the full {$600.00}. 

I have reached out to them to ask about this and they said that I had only signed up for the direct deposit and therefore I only will receive the {$300.00}. However, this is incorrect, I signed up for the full {$600.00} and I met the terms of the promotion. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
The debtor kept recirculating the XXXX XXXX ( originally for {$6000.00} ) to cents on the dollar debtors. It was illegally never discharged due to permanent and irreversible XXXX, which was the legitimate basis for all my other 32 loans being discharged. The lender, can't remember if it was XXXX or XXXX, ordered me to submit their own request for discharge due to XXXX. I did this in XXXXXXXX XXXX then was told in XXXX that my loan went into default XXXXXXXX XXXX 
Now I have received a notice from the Dept. of Ed. that this loan is now due again, in the amount of about {$6600.00}. I downloaded a Dept. of Ed. for discharge of this one loan, but am afraid I will end up in the same muddle as before. 
What do I do now? File the request by paper immediately? File in online with the Dept of E
d.? Or, somehow file a complaint against the whole process with your agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-09-21 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have various names & addresses being reported on my consumer credit report. The information is either false or outdated.

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 2023-09-21 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: NY

Complaint narrative:
according to the fair credit reporting act, there's creditor has violated my right on the 15 USC 1681 section 602 stage I have the right to privacy 15 USC 1681 section 604a section. Also states of consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
according to the fair credit reporting act, there's creditor has violated my right on the 15 USC 1681 section 602 stage I have the right to privacy 15 USC 1681 section 604a section. Also states of consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-21 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
THESE ACCOUNTS IS NOT MINE *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 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

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I recently discovered a number of unauthorized charges made using my Chime account. I immediately notified Chime and they canceled my debit card to prevent further fraudulent charges from being made and I also filed a dispute in relation to the charges. There was a total of 8 charges, 5 of which I filed in one dispute and the other 3 I filed individually due to the time that it took for them to switch from lending to posted. The main dispute including the 5 charges was twice denied despite providing Chime with a police report and details of how I believe these charges were ultimately made. Of the other 3 disputes that I filed, 1 is still under investigation and the other 2 have been approved. The circumstances surrounding the charges on all 4 disputes were identical yet the results of each investigation varied. Given the identical circumstances related to each dispute, its hard to understand how such different outcomes were come to. As it stands, the dispute involving 5 of the unauthorized charges totaling {$380.00} remains denied and the other dispute still not approved is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I had pulled my credit and seen this in collections I had no idea where it came from. I have not opened any accounts nor could I due to me filing bankruptcy. I moved to XXXX in XXXX and my credit was pulled for a place. At this time there was no open accounts at all. This just shows up out of no where. I asked for information showing it was my account and the company could not provide me anything. I want this removed from my credit. It is not my account. They can't prove its mine and it is not my account. I am asking it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting 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 keeps updating the balance on a canceled debt in violation of the FCRA inaccurate credit reporting a cancled debt has no BALANCE

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Agency reporting outdated and or false information on 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 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I made a purchase of a smartphone which I never received. I had used PayPal to make that purchase just in case things went wrong because they have a buyer protection program. The merchant used USPS to have the package delivered. They supposedly delivered the package to my freight forwarding service on a day that they were not open, XX/XX/. That was the information reflected on the USPS tracking website, but the freight forwarding company could not have possibly received this package if they were closed. At first, I had attempted to get a resolution from the seller themselves, however they simply cast blame on the freight forwarding service. Then I created a dispute on PayPal. I even went as far as having verifiable representatives of USPS send me written notice that the package was mishandled and misdelivered. PayPal was attached to the email for visibility into everything. However, PayPal called the customer service number for USPS which is simply reps from other countries contracted to provide customer service, to verify the authenticity of the letter. I would know having been one of these reps myself. We usually do not have access to information about delivery scans so we will always tell you exactly what is shown on the website. Since the PayPal escalations handler, XXXX, was attached to the email thread that included the letter, they could have simply collected the direct number and extension of the USPS Manager of the XXXX XXXX, XXXX XXXX, to verify the letter. And now I am left with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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