vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX claims I had a late payment in XXXX of 2022. I never paid late, I simply started paying weekly to pay off faster. I made numerous attempts to resolve this with them and they will not remove this false late payment from my credit. this has negatively impacted my report and my life. I would like this resolved asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX claims I had a late payment in XXXX of 2022. I never paid late, I simply started paying weekly to pay off faster. I made numerous attempts to resolve this with them and they will not remove this false late payment from my credit. this has negatively impacted my report and my life. I would like this resolved asap please.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY IDENTITY WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THESE ACCOUNTS FROM MY CREDIT REPORT. I HAVE REQUESTING IN WRITING MULTIPLE TIMES.

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 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Valor Intelligent Processing, LLC
State: AK

Complaint narrative:
I was contacted by telephone by someone from Valor Intelligence Processing. They spoofed a XXXX, WA area phone number but when speaking to the first representative, she told me that she was located in Florida. All I was ever told by all the different representatives was that it was regarding a " personal business matter ''. They tried to force me to verify personal information without stating that it was an attempt to collect on a debt. I've received no written communication prior to the phone call. When trying to get them to say what debt it was regarding, they repeatedly stated that they had to verify all personal information first and that it was against the law for them to say what debt or anything beyond " personal business matter '' until things were verified. When asked to speak to someone above a supervisor, the supervisor clearly stated that they were well versed in all of the federal laws and that none of them said that they had to send written communication first, clearly say that the call was an attempt to collect a debt or anything. I was looking at the laws while this individual was making such claims. This is a predatory business that lies and fails to follow the law to get people to verify information before telling them anything they have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-07-10 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: CA

Complaint narrative:
XXXX A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY XXXX ATTEMPT SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received an email alert from Chase Bank on XX/XX/23 that my credit line was decreased, significantly impacting my credit score. I was not given any information other than a phone number to call to discuss the change. On XX/XX/23, I called their customer service line for my credit card and was informed that the change was made on XX/XX/23 and I was outside of my XXXX window to request reconsideration. No physical letter was sent, as was verified by account representative, to my address indicating the XXXX time frame of my rights as a consumer to request reconsideration. The only notification I received was an email and alert in my Chase account app on XX/XX/23. Despite only being notified a little over a month ago, I was told multiple times that I was outside of my XXXX window for reconsideration and I could only request a credit increase. When I requested the credit increase, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted TransUnion about the identity theft & their response is the information has been verified. This dates back to XX/XX/2022 2022

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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
About 4 hours ago I learned that PNC canceled my debit card and closed a savings account. The debit card is linked to a checking account, which is apparently still open. I received no prior notice about any issues that might have resulted in a violation and subsequent closure. I only learned about it when I went to pay for dinner while on vacation overseas. As a result of the closure, PNC had left me without access to my cash since they were the main account I used during travel. Incredibly poor customer service that absolutely puts people in terrible situations. I don't know why the card was closed and why the account affected- I understand that sometimes it's due to suspicious activities and use of card. I'm someone who works overseas for the US govt in areas that are sometimes fraught with fraud risk and maybe this is part of it? Regardless, the lack of transparency is astounding and lack of any empathy and desire to provide help to your customers is even worse. Despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my formal complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well my XXXX card was mailed to a different address I was unaware that I had even got my card and was active so all the charges untill a card actually got sent to my real address were stolen and unauthorized I contacted XXXX and bank of America they did nothing for 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 monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received 2 emails around XXXX saying that an application for checking account with Bank of America was submitted with another email 2mins after saying that it has been approved. When I checked my bank account ( I have an existing account with Bank of America ), I saw a checking account created ( with {$0.00} balance ) without requested by me. Since then, I have notify Bank of America to close the account and start an investigation.

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 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
From approximately the year XXXX to XXXX wells fargo closed my account after making significant payments on my 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 explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX {$59.00} each I've called time multiple times they were supposed to put a stop to it and it's still getting took out every month I'm having to call and get it refunded this has been multiple times and we're just the two most recent it's from just XXXX and XXXX kids we have done canceled my card and got a new one I don't know how they're getting my card information something needs to get done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had XXXX under my account including unauthorized ATM use. 

Wells Fargo declined my claim. They reverse all provisional credit and now my balance is negative.

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 2023-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I received an alert of major negative on report. I have no debt and have not had debt for 7 years. I do not know this company or debt. They threatened me, they do not have my name correct and the R ruining my credit. I called them to tell them identity theft, fraud something is wrong. They said it was a debt from XXXX  from XXXX. That is illegal to collect a debt that was identity theft and reported since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 I had a meeting with Chase Bank at XXXX. After completing a check deposit transaction at XXXX at the XXXX XXXX CA Chase ATM XXXX a man approached me, claiming that I lost a {$20.00} bill and forced it into my hand. He managed to take my debit card, without me noticing. I went into the meeting. Shortly thereafter the following unauthorized transactions occurred : XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM Withdrawal {$1000.00} ; XXXX ATM EWithdrawal {$3000.00}. XXXX XXXX XXXX ATM Withdrawal {$200.00} ; XXXX ATM Withdrawal {$200.00} Total amount of unauthorized withdrawal {$7400.00}. 
XXXX XXXX XXXX Chase Bank cancelled debit card and claims were filed. Police reports were filed XXXX XXXX with XXXX, CA police and XX/XX/2023 with XXXX XXXX police. 
Chase Bank since has denied the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023 I received a letter from Chase Freedom Visa Platinum that they were unable to approve this account. I never applied for this credit card. The letter is dated XX/XX/2023. The application apparently had my previous married name with a middle initial, which I do not have a middle initial. My street address was correct, but the city was the township I live in. Apparently the person that filled out the application has their last four digits on the application as XXXX. This also is not my social security number. I called Chase bank and explained that this must be identity theft as I did not apply for a credit card. They referred me to the Fraud Department where I made a report and they sent me a " kit '' that I must follow in order for them to send me a copy of the application details. You are my first of many items I must complete in order to try to resolve this problem. Just a note : this happened to me last year with XXXX XXXX XXXX and the same last four social security numbers ( XXXX ) were used. I did not get the application information from XXXX as I had put a Fraud Alert on my credit and bank accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2023, I opened a checking account with capital one bank. I made a mobile check deposit of {$2200.00}. On XX/XX/2023, the check cleared but capital one sent an email that the funds will be available on XX/XX/2023. 
As on XX/XX/2023, the funds are not available for transactions. The bank has placed me on reaching voicemails. I can not reach any agent or customer representatives. 
I have tried to contact them for the past two weeks up to no avail. 
I do not know why they do not want me to assess my funds to be able to pay urgent bills. 
I hope that Cfbp will intervene so that this issue will not happen to unsuspecting customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Company failure to provide a wet signature validating that this debt is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HOVG, LLC
State: NC

Complaint narrative:
I have been dealing with this for months and its a lot of calls that wont stop

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 2023-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX my PayPal account had been limited permanently after my paycheck was deposited i called and asked for a reconsideration they did I have the ticket number and I spoke to many different supervisors about it and they found no suspicious activity and asked for a review today XXXX XXXX 2023 I have been informed they were not going release the limitations and it will not be reconsidered. There is no illegal activity conducted through my account i use it for personal banking purposes only and have my wages deposited through there direct deposit services that it offered I pay bills and a little bit of online shopping and that was it, nothing improper was conducted no illegal purchasing and no laundering was committed the freezing of my wages is improper and caused a extreme hardship i am the sole provider for me and my husband who is a XXXX victim i have been unable to pay for medications for both of us this is day 4 that my husband has been without the insulin needed for his health and well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: MD

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Experian regarding my child support case payments and status. My child support ended on XX/XX/XXXX without a late payment in the last 10 years of its cycle. As of today XX/XX/XXXX my report shows 120 days late, last reported on XX/XX/XXXX. It also states that my child support case is still open. None of these statements are correct. I've reached out to the XXXX CHILD Support Enforcement numerous times. They gave stated my case is closed and in good standing. The XXXX Child Support has denied being the ones who's reporting this info. Experian has told me they have reached out to them. The child support agency says they have not spoken to anyone in regards to this case.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
experian report # XXXX, on XX/XX/2023 dispute XXXX, please remove this account. under federal law you had 30 days to complete your reinvestigation and youve failed to comply with FAIR DEBT COLLECTION PROTECTION ACT. THIS ACCOUNT WAS ALSO REMOVED FROM XXXX PLEASE REMOVE THIS INNACURACY.

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 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation