vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: MN

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm reported this payment as past due when it was not and dropped my score XXXX points. To add insult to injury. It was the last payment on the loan for a minuscule amount of {$12.00}. Mind you Affirm does not report positive payment history, all of my good history with the company was ignored but this incorrect late payment for a small amount was report. Strangely enough they reported this account as paid & closed a few days later but the 30 days past due is still on my credit report and impacting my score. 

What affirm has done has charged a flawless payment history and has jeopardize me being able to get a place to live in the next few months. My score dropped from near mid 600s to high 500s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: IN

Complaint narrative:
On XX/XX/2023 @ XXXXXXXX XXXX XXXX  XXXX XXXX was contacted by telephone by a Global Lending Service Rep by the name of XXXX XXXX this is the number XXXX XXXX XXXX use to call me ( XXXX ) XXXX XXXX XXXX stated she see I have a cease and desist on file and she continued by saying I owe this auto loan debt where they received by information from XXXX XXXX XXXX. She completely ignored me, harassed me, and continued to talk over me as i tired to tell XXXX XXXX XXXX all communication should be via mail or email she violated me by telling me to pay this debt. i continued to try to tell she is in violation of my consumer rights under fdcpa and fcra. XXXX XXXX XXXX then hung the phone in my face. She not only violated my rights but she also violated several federal laws as well. XXXX XXXX XXXX has caused me more emotional distress from this phone call i should not have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been trying to use XXXX through Chase Bank. On XX/XX/XXXX I had some work done on my house and tried to pay using XXXX. My account was locked four different times during this process. I was not able to pay for the services I received through XXXX however I was able to use another app to send payment. At that point in time I thought I was fine. I spent well over an hour on the phone with Chase and completed my transaction. Today I am trying to again pay another contractor for services rendered and I can not access my online accouunt. I have spent XXXX minutes on the phone with chase. Because it took me additional time to enter my verification information the auto verification system would not accept my responses. I apologize that my XXXX  hindered my quickness to respond to the online verifiaction process but my money should not be held hostage. I asked for a supervisor I spoke with XXXX who would not assist me either and ended up disconnected the call. Now I am on the phone again trying to access my own money to pay for services rendered so they will leave my house. The solution provided by Chase was to call back and go through the process again and hopefully I would be able to enter my information faster this time. Also I was told I would need my complete credit card number when in fact all thar I needed was the last 4 digit of my card number, not the complete number,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo was charging me and taking money from my account and when I called or went to the brand they wouldn't provide me with any information about why they were taking my money and charging me XXXX charges which my account was always in the negatives when I deposited every check and received direct deposit then Wells Fargo closed my account with a charged off negative 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 2023-08-16 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: WV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
discover card company will not allow me to close my account. According to them, there is no way to verify me until 60 days has passed and I can not close the account until then. There is apparently some issue with verifying me by my phone information, and this is causing the credit account to stay open, which is affecting my credit score. I have tried to remedy the situation with Discover card, and they had no solutions to help me close my account in a timely manner, and in a way that would not lied to my credit score being affected. I also can not login to my account because of the issues that discover has verifying me, even though they have numerous ways of verification such as by my address or SSN, and I mentioned that I would be happy to provide any necessary documents such as birth certificate or Social Security card. They refused to verify me by any other means than by phone which by their own admission takes 60 days to be put into their system, and the result is that my credit score will be negatively affected because of the issues with their own system and having only one single way to verify people that sometimes has issues unrelated to the customer. The conversation took place over the phone at approximately XXXX on XX/XX/XXXX and I have records of the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023 I opened a Truist XXXX checking account and Money Market Account at the XXXX XXXX XXXX Truist Bank located in XXXX XXXX, XXXX My husband and I received a promotional offer postcard which we brought with us to open the account. It stated that if you met all the qualifications we would be given a bonus of {$300.00}. If you had two direct deposits into the checking account per month and had a balance of {$10000.00} or more at the end of 90 days in your Money Market account Truist would evaluate the account and award you the monies due you. At the end of 120 days I began to question whether or not the deposit would be made. I tried several times at the branch without any success so out of frustration I called the XXXX # on the website. Again without any resolution so I emailed XXXX XXXX, the CEO of Truist and then received a call from an executive assistant stating that the time limit on this promotional offer was 30 days and that I did not meet that deadline. All the qualifications were met within 74 days which was well within the time limit of 90 days. I do not have the mailed card so I can not prove that it was 90 - 120 days but all the other advertisements still being promoted states 90 days to satisfy the qualification. I don't believe that Truist Bank is telling the honest truth and is trying to get out of paying the bonus as promised. I have attached two other offers along with a message from someone that had the same thing happen to her.

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 2023-08-16 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: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a account with CitiBank around XXXX weeks ago, I got my debit card and I started receiving payments to my account, I received three in total, a {$2000.00} XXXX payment, {$4700.00} XXXX payment and a {$4500.00} XXXX payment. My first time having a problem with Citi is when I went to withdraw my second time at the branch and was denied by the ATM, I received notifications questioning the activity and replied Y to a text prompt verifying it was authorized by me so I tried again and It denied me still, I called citi and they put my account under review for no reason. XX/XX/15 I go to the bank to make a withdrawal of {$4000.00} dollars they denied me and told me I would have to get on the phone with the fraud department to verify a few questions which I do and answer all correctly and the representative I was on the phone with told me she would remove any blocks and holds on my account and shortly I'm put on hold and transferred to another representative that was rude and didnt make sense and told me I had to wait on a reference letter. That same day I attempted to XXXX XXXX dollars out my account since the branch denied me and I still had my online access but it didnt let me, I received a fraud alert and verified it was authorized by me shortly after that my online access was revoked so I call the bank again and I get on the phone with a rep that tells me I just have to go to the branch to unblock my account then everything will be fine, today I wake up to my account being closed within 60 days with no reason at all, Ive called them multiple times to verify the account activity and questions which correct and legitimate and authorized by me. I need help to either reopen my account or receive my total account balance immediately My Name is XXXX XXXX My Account Number Is 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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one credit card Dept, billing cycle XX/XX/23 - XX/XX/23 balance subject to interest rate {$4800.00} interest charge {$120.00}. XXXX IS XXXX P.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My checking account with Bank of America ending in XXXX was closed with description " SUSPECTED FRAUD ACTIVITY '' despite the fact that Bank of America states that the account transactions never reported and fraudulent activity, see attached report from Bank of America. The negative balance was paid and there is now a zero balance on the account. 

Due to the " SUSPECTED FRAUD ACTIVITY '' noted on the closed paid account, I am unable to open a bank account which is causing hardship and financial issues.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian sent me an email on XX/XX/2023 telling me my Credit Report had a thaw added to my credit report file. Then I get an email from them on XX/XX/2023 ( while the so called " thaw '' was in effect from XXXX XXXX  on XX/XX/2023 to XXXXXXXX XXXX on XX/XX/2023 ) that there was an inquiry on my credit file that was blocked. I called Experian and after 15 minutes of trying to get past their XXXX  system, I finally got a person on the line who told me that I also had to lift the credit freeze in addition to the " Thaw! '' Now if that isn't a run around and a scam, I do not know what one is. They should be made to honor a temporary " thaw '' ( if it doesnt temporarily lift a freeze what use is it? ) and no one should have to lift and reinitiate a credit freeze to have their credit file used to obtain new credit. No doubt they make $ $ $ by initiating a credit freeze and this is just another scam.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-16 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: WV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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