vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Pavilion Payments US BuyerCo, LLC
State: MN

Complaint narrative:
I havent received my annual credit report from Global Payments Check Services. I want Global Payments Check Services to send and mail me a complete copy of my Global Payments Check Services Consumet Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TX

Complaint narrative:
On XXXX the XXXX I received a notification that XXXX regarding my account being overdrawn ... it was under XXXX I immediately zelled the funds from my other account to bring current same day and sent in more to be safe On XX/XX/XXXX I received a notification that XXXX charges made me go over limit and I was charged XXXX each Which chase has some kind of algorithm that they post pending charges later to negatively impact and they collect the fees I want my fees back they have taken advantage of consumers for too long

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I switched from sprint to XXXX XXXXXXXX paid off my balance and I gave my old phones back. Once sprint was sold I received a debt on my credit report stating I owed {$2700.00} to Jefferson Capital System. I explained that I did not owe this debt and this debt is more than XXXX years old if I did owe this. I have tried disputing this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: MD

Complaint narrative:
This person is reporting on my credit profile they are not liscenced or bonded to collect in my state. Exorting amount of {$7300.00} they are reporting inaccurate/false information on my All 3 of my credit profile which is destroying my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: MN

Complaint narrative:
I want all those injuries off my credit score and report I wnat XXXX XXXX off it I wnat XXXX XXXXXXXX off it go Whatever eles demove

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 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing to ask for the removal of late dates and update the status of the account to open/never late on disputed item from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1800.00}. Please update immediately.

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 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed XXXX and XXXX without my permission were closed and removed from consumer reports Citi XXXX and XXXX still have inaccuracies. XXXX, XXXX and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses - remove all Non-Mailable addresses remove all Nonpublic Previous employers Incorrect non-matching account type-detail incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment

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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. CAPITAL ONE AUTO FINANCE XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Opened account with Wells Fargo, XX/XX/XXXX, the website gave me two options to open the account, in office or online, and had the offer real big on that page for the {$300.00} and I even read through to the terms so I knew what to expect and continued on their website to open the account and then called ( same day ) to ensure Id have the promotion, ( there was no place to enter the promotion code ) the lady said it would be on account after the initial 30 days, called again and again and again, everyone confirmed I would the promotion, and had to wait until first week XXXX and no bonus so I called the first week and the agent told me the deposit of the promo would be made this month due to it being past the 90 day window and then n XX/XX/XXXX I get a letter saying I didnt click on the link to open the account on the webpage, oh yes I did and it gave me a code BUT when I went through the application it never gave me a place to enter the code but definitely opened my account, I knew something was wrong and thats why I called the very first day and have been calling. They scammed me and have been lying to me buying more time for me to have my account open. Now I want the {$300.00} promotion as promised! Just spoke to another woman XX/XX/XXXX and she spoke to a supervisor and they say that they can not backdate this to get me the promotion and want to transfer me to another department to file a complaint, I said sure I am definitely pursuing this as I have spoke to so many people in this company who assured me I would have that promotional deposit this month and still dont. This is false advertising and fraud! I want my promotion.

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 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account was impacted by fraud at the start of 2024. A check was falsely deposit into my account and later withdrawn at a different branch the following day. I have filed a claim with TD bank to which their fraud department has not gotten back to me. I am constantly called by their collections department knowing that the account was impacted by fraud and my new account that was opened was closed with all my funds removed. TD bank has failed to respond promptly to the fraud claim and has not closed my account with funds inside even though a fraud claim and affidavit of forgery was filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: TX

Complaint narrative:
XX/XX/XXXX I Filed A Dispute With Chime., In The Amount Of XXXX XXXX Transactions. My Dispute Was denied XX/XX/XXXX I Went To XXXX In The Year Of XXXX! I Was Released From XXXX XXXXXXXX XX/XX/XXXX! I Then Continued To Live In A XXXX XXXX In XXXX Until XXXX XXXX They Day I Came Back To XXXX. I Then Remembered I Opened An Account With Chime To Receive My Stimulus Check On A Few Months Before I Went To XXXX. It Took Me A Few Months To Gain Access To My Account Due To New Email New Phone etc. So Dispute Denied I Then Reopened The Case ( Rebuttal ) The Same Day I Was Denied, And Was To Rest Assure That Chime Will Have A Final Resolution ON OR BEFORE XXXX XXXX!! Its Now XXXX XXXX and NO ONE AT CHIME CAN GIVE ME ANY INFORMATION AS TO WHY IM STILL WAITING!! I call EVERYDAY WAS EVEN PROMISED THAT A SUPERVISOR WAS Personally working my case! Theyve Been Escalating The Process To The Dispute Department To No Avail! I DEMAND AN ANSWER ALONG WITH MY MONEY I HAVE SENT IN A LETTER OF XXXX   ALONG WITH THE XXXX  ID FROM AXXXX WHICH ALSO SHOW THE DATE I WAS XXXX XXXX XXXX. The XXXX Letter Also Show When I Went In To XXXX  And Also When so Was Released. 
Ive Been Trying To Get My Money Back For MONTHS NOW! Ive filed with the XXXX AND Also Here To No Avail So Here I Go Again Pleas Help These People Are So Unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AL

Complaint narrative:
I have contacted this company repeatedly to no avail. The payments they have on the account is not accurate. I have reached out only for them to tell me about public loan forgiveness in which I have not asked about. My loans were discharged in XXXX. I have attached the discharge below. The company tells me I have until XXXX. This is incorrect. They have refused to investigate and instead continue to receive payments along with interest added. In total I have paid over {$8000.00}. My bankruptcy has absolutely nothing to do with my Borrow Defense Discharge which is listed below. And it is the same letter my previous servicer has sent them. I have sent them this letter as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MN

Complaint narrative:
I want discover to remove those amount and take it off my credit report and score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: SC

Complaint narrative:
I just recently looked at my credit report from Equifax XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX  XX/XX/XXXX. 
This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XX/XX/XXXX. This Inquiry has no permissible purpose to be on my report. I deman you delete this inquiry due to violation of 15 USC 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: NY

Complaint narrative:
I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. GLOBAL LENDING SERVICES on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I made various attempts to submit proof to remove inaccurate information from my credit reports. Im attaching all documentation submitted to the bureau. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.

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 2024-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo issued me a credit card for home improvement. In XXXX, I went through a painful mortgage refinance due to mental health issues ( I am a XXXXXXXX XXXX  ) that doubled my monthly payment. As a result, several bills went unpaid while I tried to regain control of my finances. I worked with many creditors to get on payment plans and attempted that with Wells Fargo. On two separate dates in XXXX in XXXX and XXXX, I pleaded hardship with the company and offered to pay what I was able per month, a sum of {$100.00} per month against a balance of about {$6000.00}. The minimum payment to get my account straight is in excess of {$1000.00} and needless to say I am unable to come up with that amount for one creditor. Wells Fargo refused to work with me both times I called and told me there would be a " promotion '' in XXXX wherein they could reduce my interest rate and work with me at that time. In the meantime, they continue every month to report me to credit agencies even though I send them the {$100.00}. It's almost pointless to do so.

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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Around the end of XXXX I had randomly wondered what my credit score was since I had not looked in some time. When running my credit report it brought up an odd issue of collections for {$1200.00}. When I proceeded to look into the debt owed I quickly noticed it was not mine and someone had fraudulently opened up this card in my name without me knowing until it was too late. I contacted XXXX which then transferred me to Midland Credit whom were forceful in being adamant the debt was mine and I owed them. I requested proof which they sent thinking was proof when in fact all it does is confirm it's not mine. There is an address located in XXXX, SC attached as well as a XXXX XXXX in XXXX XXXX, SD and the transactions are for things I don't even own ( XXXX XXXX, XXXX, prepaid cards ). Since then I have established police reports here in XXXX XXXX ( where I actually live ), XXXX XXXX, SD and after numerous calls to XXXX their police force seems inept and failed to ever return my calls. Ever since then I've been slowly filling out the recovery plan through identitytheft.gov which has led me to this point now. Midland Credit are a bunch of bullies and I will not lie down without a fight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit score is going down because of this person who has their credit card on my credit score.

I don't know who it is.

Also, I'd like my credit score back to what it's supposed to be.

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 2024-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit score is going down because of this person who has their credit card on my credit score. 

I don't know who it is. 

Also, I'd like my credit score back to what it's supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , am submitting this statement to address instances of identity theft and fraudulent activity that have compromised my personal identifiable information. Over the past several months, I have become aware of unauthorized access to my personal and financial data, leading to fraudulent accounts, inquiries, and other suspicious activities. 

**Compromised Personal Identifiable Information : ** - My name, XXXX XXXX XXXX XXXX XXXX has been utilized in various fraudulent activities, including the opening of unauthorized accounts and inquiries into my credit history without my consent. 
- My address, phone number, and other personal details have been used to create fraudulent accounts and conduct unauthorized transactions.

**Fraudulent Accounts : ** - I have discovered the existence of fraudulent accounts in my name, including collection accounts and accounts with outstanding balances, such as the XXXX XXXX XXXX XXXX XXXX which I did not authorize or create. 
- Additionally, there have been unauthorized inquiries and applications for credit, including those from 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  Unspecified **Actions Taken : ** - I have taken immediate steps to dispute these fraudulent accounts and inquiries with the respective credit bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- I have also filed a report with Truist Bank 's Identity Theft Victim Assistance Group and provided them with a completed identity theft affidavit, as well as with law enforcement authorities. 

**Request for Assistance : ** - I am seeking assistance and support in resolving these fraudulent activities and restoring my credit and financial well-being.

- I request that identitytheft.gov assists me in investigating these instances of identity theft, coordinating with relevant financial institutions and credit bureaus, and taking appropriate action to remove fraudulent accounts and inquiries from my credit report. 

**Conclusion : ** In conclusion, I am deeply concerned about the impact of these fraudulent activities on my financial stability and reputation. I am committed to working diligently to rectify these issues and prevent further harm. Your assistance in this matter is greatly appreciated. 

Sincerely, 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 explanation