vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX. Opened XXXX XXXX, XXXX {$12000.00} XXXX XXXX. OPENED XXXX XXXX, XXXX {$8500.00} A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and 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 non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I have not been able to use my card since XX/XX/2024. I have spoken to customer service 4 times, the first 3 times I was told I will receive a call back within 24-48 hours. I never received a call back. The last time I spoken to supervisor, XXXX, on XX/XX/2024. She advised me to wait 3-4 business days before calling back if I don't hear from them. Clearly, Arvest is not in a hurry to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX Partial Acct # 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 explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: PA

Complaint narrative:
I started taking medication in early XXXX that was being prescribed by my XXXX XXXX at XXXX XXXX. When I needed to get my prescription reviewed, I was told I needed to make an appointment with my XXXX XXXX  I asked how much the appointment would cost, and I was directly told Out of pocket f/up video visit is {$70.00}. by a XXXX XXXX worker. I agreed to that price ( as can be seen by the attached screenshot ) and had the video call. The call lasted approximately 10 minutes and consisted of my XXXX XXXX asking me a few questions and me answering them. Nothing surprising happened over the call. After the video call, I was charged way more than the {$70.00} that I was told would be the cost. I reached out to the XXXX XXXX billing department multiple times to tell them that I only agreed to have the video call at a cost of {$70.00} and they refused to adjust my bill. The billing department even admitted that someone at XXXX XXXX made a mistake, but they still would not fix my bill. I eventually paid the {$70.00} and told the billing department that I was only paying this amount because I made the decision to have the video appointment based on the information that XXXX XXXX gave me. They accepted my {$70.00} payment. 

I continued to receive notices that XXXX XXXX was billing me for the additional ~ {$25.00} that I never agreed to before accepting their services. I continued to try and get XXXX XXXX to fix the billing issue but they would not do so. I spoke on the phone with someone from the XXXX XXXX team, who told me that she could not help me. My husband tried calling an escalation number and when no one answered, he left a voicemail, but no one called him back. I tried calling the phone number on the XXXX XXXX website for the location that I went to, but I was constantly told no one was able to help me. I even reached out to my XXXX XXXX asking her to get me into contact with someone from her office directly and she ignored my message. 

I have been trying to get this matter resolved for over a year, but XXXX XXXX is being unresponsive/unhelpful. The only reason I agreed to the video appointment is because I was directly told that my out of pocket cost would be {$70.00} by a XXXX XXXX employee. I never agreed to pay more than {$70.00} for the appointment. Since I have already paid the {$70.00} that I owe, I do not owe any more money for this appointment. 

I have now received a debt collection notice from a second debt collector. I sent a contestation letter on XX/XX/XXXX about this same debt and never heard anything back. Now, seven months later, I am receiving another notice about this debt, which I do not owe. Please see all attached relevant screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
FIRST, MANY UNRECOGNIZED CREDIT INQUIRY - I did not authorized those credit checks. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
FIRST, MANY UNRECOGNIZED CREDIT INQUIRY - I did not authorized those credit checks. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX Partial Acct XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX XXXX XXXX  Partial Acct # 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 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX XXXX was stolen from my purse at XXXX XXXX. Police were notified and larceny incident filed. XXXX Credit Card and Wells Fargo Debit card were cancelled within 30 minutes of wallet being stolen. However, perpetrator used credit card and debit card to make purchases at jewelry store before. 
Within a week of my wallet being stolen, I reported my stolen card to my local branch manager. 
In mid XXXX, when I received my Wells Fargo checking account statement, I saw a debit for {$2700.00} on XX/XX/XXXX ( the day my wallet was stolen ) at XXXX XXXX. Again, I met with my local Wells Fargo Branch manager to report the fraudulent use of my debit card. I was told it would take up to 90 days for Wells Fargo to investigate. 
After waiting 90 days, I again met with the local branch manager and was told I would receive a letter from Wells Fargo notifying me of the status of my claim. 
XX/XX/XXXX I went to XXXX XXXX and reported the date of the fraudulent use of my debit card at their store on XX/XX/XXXX. I was told at that time, in addition to using my debit card the perpetrators also charged {$4300.00} on my XXXX credit card. The police were notified and an incident report for the fraudulent use of my debit and credit card was filed. 
In early XXXX, I was asked to meet with a police officer to review a video of the perpetrator using my cards in the jewelry store. It showed a small framed XXXX women wearing a protective mask making purchases with my debit and credit card. 
On XXXX, I received 2 letters from Wells Fargo, one dated XX/XX/XXXX stating my claim was being investigated and one dated XXXX stating my claim was denied. 
On XX/XX/XXXX I wrote a letter to Wells Fargo requesting they reinvestigate my complaint and provided them with the above information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> credit collection services XXXX XXXX XXXX XXXX, MA XXXX Re : Account Number XXXX Dear credit collection services, I hope this letter finds you well. I am writing to request a goodwill adjustment for my credit collection services ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused. 
I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms. 
Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year> I used the pay anyone feature. My money was sent to XXXX. I called immediately to stop this transaction. I was told that they could not stop the transaction and since it could not be claimed I would have to wait 14 days and the unclaimed funds would be sent back to my account. 

I've done 4 disputes after finding out that my money was deposited into a chime member 's account. I've talked to many members on the chime team, all with limited info. 

So how was my money claimed by a chime member??? That phone number is the Veterans Administration toll free number!! Where is my money????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXXXXXX Partial Acct 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 explanation
Consumer complaint received 2024-07-13 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX. Opened XXXX XXXX, XXXX {$12000.00} XXXX XXXX. OPENED XXXX XXXX, XXXX {$8500.00} A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and 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 2024-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I dont have an account with XXXX XXXX XXXX is also no longer in business and jefferson capital is trying to say i owe money when i dont owe and they will not send me any proof I have request to validate the account and they still have yet to send me any documentation. I have requested that they remove this account from my credit since it cant be verified and i dont owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Mariner Finance , LLC XXXX XXXX XXXX XXXX, XXXX, MD XXXX Re : Account Number XXXX Dear Mariner Finance , I hope this letter finds you well. I am writing to request a goodwill adjustment for my Mariner Finance ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX  Partial Acct # 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 explanation
Consumer complaint received 2024-07-13 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: MI

Complaint narrative:
It is my sworn statement that the following account is not mine and was never originated nor authorized by me. I need this account deleted immediately due to identity theft pursuant to 15 USC 1681c-2. Also please delete fraudulent inquiries listed. 

XXXX XXXX XXXX XXXX Please see attached identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX. Opened XXXX XXXX, XXXX {$12000.00} XXXX XXXX. OPENED XXXX XXXX, XXXX {$8500.00} A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief