vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: GA

Complaint narrative:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

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 2022-10-06 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 was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: GA

Complaint narrative:
I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Debt was paid due to my XXXX XXXX XXXX to my SSN I AM A BENEFICIARY TO MY TRUST AND WELLS FARGO HAVE COMMITTED FRAUD FOR ACCEPTING PAYMENTS FOR SOMETHING THAT WAS ALREADY PAID FOR.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am notifying Self Finance that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-10-06 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: Garrison Investment Group
State: PA

Complaint narrative:
Foundation Fiance Co LLC placed a credit inquiry on my credit report on XX/XX/22 and I did not apply for any credit with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Sat. XX/XX/2022, I recieved {$300.00} from a friend on her Venmo account to my Venmo account. I then attempted to transfer that amount to my bank account and my account was frozen. I recieved an email saying that my account was frozen for suspicious activity and that I would recieve another email explaining why and what to do to solve it. It is now XX/XX/XXXX and I still have not recieved any further emails giving me an explination or instructions to resolve this matter. I have called venmo twice on XXXX XXXX as well as using their chat and sending an email. I was told on Saturday XXXX XXXX that a specialist needs to review the case and they only work Monday-Friday and they are the only people who have access to any of the information. I was also informed that they can not be reached by phone and I could not have their direct email. I was told I would recieve an email in between 7 to 21 business days with more information. I asked if the transfer could just be canceled and returned to the sender and I was told that was not possible. I then requested that my account be closed and they said that also was not possible until this matter has been resolved. I again called on XXXX XXXX 2022 and was told that my case had already been escalated and it would take 7-14 buiness days for a specialist to get to my case. I again asked for an explination and was told they had no access to that information and their was nothing they could do and I just had to wait. I requested for my case to be escalated again. 
This is just ridiculous. I believe this is delibertly done so companies and banks can hold on to customers money longer to earn the interest. Interest on a mere {$300.00} for 3 weeks is nothing but if done to just a small fraction of their total transactions for the weekend I'm sure it total amount of " frozen '' accounts is in the millions and thats a whole lot of interest earned in 3 weeks. And there is no reasonable excuse for a company to hold someones money for 7-21 business days without telling them why or instructions on how to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XXXX I deposited a XXXX XXXX XXXX tax refund check for {$3300.00} via remote deposit capture through the Capital One consumer app. I was notified that there would be a hold on the deposit until XX/XX/12. I called the bank to inform them that the check is issued by a State Government entity and they requested I call back the following day to discuss the hold. Capital One indicated that there were no issues in my account. I have a regular history of significant bi-weekly deposits for payroll into this account and I had {$10000.00} held in savings account with the Bank on deposit so they also had recourse in the event that the XXXX XXXX XXXX did not have funds to clear the check. I called back and the bank refused to lift the hold. Because the check is a government check submitted electronically, I argued that it is subject to Check 21 and Reg CC and funds should have been made available the follow day according to regulations. The bank refused. ( I will not be holding any funds in savings deposit at this institution going forward because they do not follow regulatory requirements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 — 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 explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi keeps delaying resolution. First 5 days, now 15. They lure new customers with promise of bonus. They have taken my money hostage, closed my checking after 3 months rather than 12 without asking, sent letter that insisted I deposit more money in my savings, did because thought related to bonus. Another agent said I really didnt have to add more money go figure. Turns out it gives me premier account with relationship manager which I never asked for. They say bank tried to deposit in my checking in XXXX but closed so transaction failed. Why did they close and why didn't they put in savings? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All I want is my bonus cash as they promised. Should really be > {$750.00} since they made me deposit more. I feel scammed. [ Furthermore, my sister is also dealing with this same issue and waiting for her bonus. ]

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am notifying XXXX XXXX that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am notifying XXXX XXXX that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.

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 2022-10-06 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Called my place of work and said they would serve me papers. That a civil complaint was against me and I owed money from a check and go debt that was never paid. The company was called XXXX and only had a an hour to sign documents and send over payment to handle matter or a lien would be put on my house. Company does not exist when looked up. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APPLE RECOVERY SERVICES CORP
State: TX

Complaint narrative:
Apple Recovery contacted me Via mail on XXXX stating that I owed XXXX XXXX Bank a Balance of {$9200.00}. 

I have never had any type of loan with XXXX XXXX Bank. 

the letter contained nothing more than a Balance and showed XXXX XXXX Bank as the original creditor.. 

I was the Victim of Identity theft many years ago and my only thought was that this could have been the result of that action. 

I would like myself removed from the Collection effort and for Apple Recovery to cease contact with me regarding this account. 

sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent a dispute to XXXX to validate the debt being reported on my credit report. I contacted the company to resolve this debt and was informed that they would send me proof within 30 days. Instead, my information is being reported to a third party without my permission a violation of FDCPA 1692.809 ( a ) ( 4 ) This FDCPA covered entity and their business associates shared my personal information without my permission or having signed a release. My privacy has been violated, security and records have been breached. 

I am requesting they provide me with a validation of the debt and my address that is on this bill. My claim is a dispute and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ). I would also like to have proof that this debt is valid.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my report. 

On XX/XX/XXXX I received this response from the company. We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 

XXXX CFPB Complaint : Trans Union you have 5 calendar days to have this information removed. I will not allow sixty days of violation. Trans Union has been in violation for months and not the time is of the essence. Sixty days that's two thirty day credit reporting cycles of false information. 

I am ready to appear before your honor!

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 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: KY

Complaint narrative:
During the past year I have tried to get a loan for buying a house and everyone says the company Ed Finacial are reporting I have over 100 late payments and i have exhuasted most of energy to try to get this removed. LOoks like single mothers that try dont get treated the same as the rest. I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased two items online from Best Buy using my Citibank Best Buy Credit Services Card ( XX/XX/22 and XX/XX/22 ). XXXX was to deliver them. Neither item were delivered and the status for the items were listed as " delayed ''. A week later, I had XXXX  run traces on the items and was told that they were " lost ''. At some point later, XXXX changed the " tracking status '' from delayed indefinitely to " delivered '' and backdated the delivery dates to XX/XX/22 and XX/XX/22, with no record of the " delayed '' status appearing in the history of the item. This is FRAUD! Best Buy told me to take it up with XXXX. XXXX told me to take it up with Best Buy Credit Services. 

Best Buy Credit Services claim to have conducted an investigation but all that entitled was printing out a copy of the fraudulent delivery status. I submitted additional documentation showing that the date was backdated and no action was taken. 

Every time I call Best Buy Credit Services ( Citibank ), I get a call center and am " transferred '' time and time again to other call centers. I have asked for contact information for their Corporate office and for their legal division, but they refuse to help. 

I have also filed complaints with XXXX against XXXX, Best Buy, and Citibank

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 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
This is a complaint against Barclaycard regarding their Aviator business card. The sign-up offer included a {$95.00} statement credit after meeting {$2000.00} spend threshold. I met the requirements about 2 months ago and never received my {$95.00} credit. I have been reaching out to them regarding this issue since XX/XX/22. They just open up a ticket every single time and never resolve it.

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 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK
State: MO

Complaint narrative:
I sent your XXXX XXXX my dispute on XXXX, 2022 to validate the permission I gave to report inaccurate amounts and share my information with any third party reporting. I need for this to be properly investigated and stop reporting on my credit without my permission. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you and my signature 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6 ) Was there a release signed that gave you permission to share my information. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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