vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. I am trying to purchase my dream home and realized I have damages on my report. Total defamation to my character. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with Jefferson Capital. They have not provided me with the orginial application like I asked. On XX/XX/2018 ; Jefferson Capital began reporting a negative account balance on my credit reports for {$520.00}. I have asked that XXXX dispute this information and remove it from my report and they they have failed to do so. I have disputed the account information with the business and requested information related to this debt they claim I owe and I have not been provided anything that proves that I owe this debt. I have never did any business with Jefferson Capital and do not acknowledge owing them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Sometime about mid XXXX I applied for a credit card from the bank I have been with for nearly 20 years, PNC. The main reason I chose to apply for a card with PNC, as opposed to a competitor, was because they were offering a {$200.00} bonus after spending {$1000.00}. This offer remains on their website as of this writing ( link below ) and I applied via the link on the offer page. 

Over the course of about the next month or so after being approved for the card I spent over {$1000.00}. After not seeing the bonus I reached out to customer service at PNC via their app, who told me to wait for the first statement in XXXX. After not receiving the bonus again after this point I reached out to customer service again, but this time was told I would not receive the bonus. 

As I did not have time to contest this at the moment, I called PNC back and was told an investigation would be opened and should conclude by the following Monday. On the following Wednesday, now a few weeks ago, I called back after hearing no word from PNC. This time I was told the person working my case was on vacation, and I had to wait for her to return. 

As of this writing, I have neither heard anything from PNC nor received the {$200.00} bonus that I applied and was approved for months ago. If you can assist in solving this matter, I would appreciate it. 

https : //www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html? & WT.srch=1 & WT.mc_id=CC_GOOGLE_Search_KYSIN_S_G_B_CC_E & e=GOOGLE & m=p & k=pnc % 20cash % 20credit % 20card & gclid=Cj0KCQjwmICoBhDxARIsABXkXlIyx1y_7Wkql_RWNW5JE8SX9rnOlanPZ3_q4OlKgh0w8PMCBZwPcLIaAgxbEALw_wcB & gclsrc=aw.ds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All the proof asked for Experian did not give to me. 

That all Experian does is call the creditor and believe everything they say with no proof. 


Remove this off my credit report or get sued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Aldous & Associates, PLLC
State: PA

Complaint narrative:
There is a gym membership account from XXXX XXXXXXXX in collections with Aldous and Associates on my XXXX credit report that I never opened. I have never been inside of any XXXX XXXXXXXX location and I most certainly never signed any contracts with them. I had a former XXXX 's XXXX membership which I ceased using in XXXX. The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, PA XXXX moved to a new location in XXXX which I never visited. In XXXX they filed XXXX XXXX bankruptcy and the court ordered liquidation of all of their assets. I then began getting debit card charges from XXXX XXXXXXXX operating out of the former XXXX XXXX XXXX location that I never stepped foot in. I called XXXX XXXXXXXX to have the debits stopped but was hung up on several times. I eventually closed my bank account they were using to collect payment. XXXX XXXXXXXX now claims I owe them {$200.00} and has reported this on my credit report. I have never been in their gym and refuse to pay for something that will be on my credit report for seven years, especially since I've already paid several months before I closed my bank account. I do not believe I legally owe them any money since I never verbally or in writing made any such agreement with XXXX XXXXXXXX or Aldous and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CarMax, Inc.
State: CA

Complaint narrative:
I paid {$1000.00} extra on my down payment to lower my monthly, and there were no changes made. 
The service station does not handle recalls from the manufacturer and the manufacturer is far more shady than they are. 
When I call to get resolutions I am talked into circles and nothing is ever completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ON COMPLAINT XXXX EQUIFX REPLIED WITH VERIFICATION OF THE ACCOUNT. I DIDNT ASK VFOR VERIFICATION OR VALIDATION .I PROVIDED EVIDENCE ON MY CREDIT REPORT THAT THE ACCOUNT ISNT SHOWING ACCURATE INFORMATION AND SHOULD BE DELETED BY LAW UNDER CONSUMER LAW. THE ACCOUNT IS SHOWING DIFFERENT INFORMATION ON ALL BUREAUS, THEREFORE IT IS CLEARLY INACCURATE AND IS A VIOLATION OF CONSUMER LAW. VERIFICATION ISNT WHAT I ASKED. THE INFORMATION IS ISNT SHOWING THE SAME ON THE OTHER BUREUAS. IT IS ILLEGAL TO REPORT INACCURATE INFORMATION. THEY PROVIDED VALIDATION AND THAT DIDNT FIX THE FACT THE INFORMATION THEY ARE REPORTING IS INACCURATE. THEY IGNORED 15 U.S. Code 1681i PER THE LAW 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Received a letter in the mail last week ( 9/8 ) stating that it needed addl information from me in order to finish the credit card application. ID fraud is happening. Someone is attempting to apply for a XXXX XXXX through JPMorgan Chase Bank using my name. I, NEVER applied for this card. Spoke with Chase today ( XX/XX/12 ) re : this issue and assured me that the matter has been care for. Spoke also wXXXX, XXXX XXXX who also addressed this info. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
Starting from XX/XX/23, I received several emails from Chime about my account is waiting and creating a password while I never opened an account with Chime. I thought it was a fraud case and contacted Chime. I was told someone will follow up with me but never heard anything back. I received another email about my chime acct so I contacted Chime again to report thia fraud case. Was told by the agent on the phone to contact the support email, which I did. But I got two additional email responses from Chime about how to reset my password instead of addressing the fraud. At this point, I suspect chime doesnt want to close the account and stop the fraud or even opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I was informed by your company ( Transunion ) that ( account XXXX ) ( XXXX XXXX XXXX ) was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action I will also fax this to the CFPB. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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:
I disputed a transaction through Chase for a transaction of {$51.00}. This was an item that was purchased from a merchant and was marked delivered by the carrier, XXXX. Within three minutes of the delivery notification, I went outside and there was no package where the photo was submitted. Carriers are instructed to deliver packages to the door of the tenant. This carrier submitted a photo with the package in the middle of the courtyard in front of the building, in plain sight from the sidewalk. This is atypical and uncommon. XXXX  has repeatedly delivered packages incorrectly to other tenants in this building, and a supervisor has been notified for suspicion of theft. This delivery was not completed, as the carrier did not deliver the package to the address. This is equivocal to the carrier leaving the package in the middle of the road and marking it as delivered. When I contacted XXXX, they instructed me to contact the merchant to file a claim, as the recipient is not eligible to open carrier claims. The merchant refused to do so. Chase has denied the claim even though a thorough account and supporting documentation have been provided. While following up with a representative, after 45 minutes on hold and a 3 minute conversation, the representative disconnected the call when prompted to speak with a supervisor. Chase has a duty to protect the federally insured funds of its depositors from fraud and has failed in this instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
XX/XX/XXXX - my account was closed due to a deposit account agreement I called and ask what I needed to re open my account .they ask for documents like my id and social security number I provided them With it. 

XX/XX/XXXX - I called again to see if they had received the documents they said they did and still received the same email that my account was closed, so again I provided them with the documents was told to wait 24 hours for my account to be resolved. 

XX/XX/XXXX- waited the 24 hours to call again, and again was told that my account was being looked at and that it will be resolved in 24 hours. 

XX/XX/XXXX -I call again to see if anything was resolved they would tell me that they have to send my account was sent to other crew member to get resolved and again was told that they had everything to get it re opened.

Now theyre telling me that I have to wait for 30 days until I get my money back my concern is that in that account I have all my money now Im sitting with XXXX  kids and no access to my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MN

Complaint narrative:
I opened an online account with EdFinancial using their new system on XX/XX/2023. I had logged in quite a few times thereafter to get acquainted with the system. When my loans were transferred over, even though I had specifically requested a SAVE plan, EdFinancial put me on a Standard repayment plan. Since they are impossible to get a hold of I filled out an application on their website and sent in my Federal Tax information. I continued to check the site nearly daily to make sure everything was good. On XX/XX/XXXX I was able to confirm via letter received to my EdFinancial inbox I was placed on a SAVE plan. The site reflected the same info. On Wednesday, XX/XX/XXXX I attempted to log into my Edfinancial account to make sure my payment information on my new SAVE plan was correct. I also needed to make sure I was not on forbearance so that my upcoming payments are counted to IDR ( I have an open Borrowers Defense case that had me on forbearance. ) once payments start in XXXX. At all login attempts, I receive the following message : " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' This has continued every day. I have been unable to get a hold of anyone by phone. Their automated chat works, but when you try to chat with a person, and the chat window opens, it says Chat is unavailable at this time. I sent an email on XX/XX/XXXX and have not received a reply yet. Not having access to review, pay, or make adjustments to a Federal loan serviced by EdFinancial is a violation of my consumer right to access information under the Consumer Rights Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a banking customer with Wells Fargo about a decade now. For the most part my banking experience was an enjoyable one up till about 4 or 5 yrs ago. I sometimes receive overdraft fees when the money was transferred to my account, from another bank, or charges come through after what they call " processing closing times. The closing time as I was told was XXXX or XX/XX/XXXX. So anything after that time would post the next business day and would be pending. If a charge post to my account and there is no money or not enough to cover it, I get charged a fee. Because of this practice, I have alerts through text and email that tell me exactly when something posts and the amount I'm overdrawn. On XX/XX/XXXX @ XXXXXX/XX/XXXX I received and email that said my available balance was XXXX and I received a text at XXXXXX/XX/XXXX. These alerts were set up by a Well Fargo mgr ; I was told it was real time. I could prevent overdraft fees by being alerted once I'm in the negative by transferring money once I received them. Money was transferred at shortly thereafter and it brought my account to a positive state. My account closed the previous business day at XXXX and some change positive. I called and spoke with a XXXX we both reviewed the transactions and agreed the my account had a positive balance at closing. So I was refunded. XXXX The very next day on XX/XX/XXXX, my account was positive when I went to sleep. I received an alert via text an email that my account was negative XXXX at XXXXXX/XX/XXXX. I received this alert at XXXX via text and XXXX via email. I transferred XXXX in less than XXXX min later. My account again was positive. I then receive a notification that my account was XXXX and that I received two overdraft fees. One of these same transactions, I was told was on hold yesterday and was taken away from my available balance when I received the 1st fee, the prior morning. I called again and asked why did I receive a fee when I received the alert this a.m and why was it processed for the 11th and not the business day of the 12th? Then he said the alerts aren't real time as I've been told. I then requested my account to be closed. This has become repetitive every few months. They experience a glitch or something that causes me to get a fee. When it's my fault, I pay it without a problem. It seems as this is nothing but a money grab for them, while I have to fund it. I'm tired of it! It needs to 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 2023-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crow Creek Sioux Tribe
State: FL

Complaint narrative:
Never heard of this company

Company response to consumer: Closed with explanation