vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been trying to get this Late off my credit report for months. I have sent in 3 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/23 - started talking to a breeder about adopting a kitten from them. Was told it would be {$1000.00} and that a deposit would need to be made. Discussed in length specifics about the health guarantee, videos/photos and even spoke to this breeder on the phone for confirmation. 

On XX/XX/23 - sent {$350.00} for a deposit for a XXXX kitten due to speaking with the breeder through XXXX linked to my Wells Fargo checking account. 

Everything was good to go for delivery of kitten on XX/XX/23. Breeder contacted me on XX/XX/23 and began acting very odd and demanded more money. Refused to pay more until delivery as previously discussed. Breeder began sending untraceable accounts for fake people to pay the final {$770.00}. These accounts were made through XXXX and XXXX. None of which, belonged to the name of the breeder.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
XXXX XXXX AFFIRM INC ACCT NUMBER : XXXX  XXXX # XXXX. I've called personally and confirmed this account was outdated but still reporting to the account. Was told that information will be deleted due to this fact. To date, has not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I got an Auto Loan from XXXX XXXX for a XXXX XXXX XXXX XXXX ( XXXX XXXX ). the car blue book value is between $ XXXX {$10000.00}... somehow I was financed and paying in total {$27000.00} I'm sure that's over the legal limit of interest in Michigan XXXX I spoke with them to tell them I did not want the car anymore. they failed to respond. eventually they came and repossessed the vehicle. they sold the vehicle at auction and are telling me I owe them {$16000.00} and are using a debt collector service by the name of Roosen, Varchetti & Oliver PLLC to collect this debt. I do not have this vehicle anymore as they have taken it back and now they are forcing me to pay WELL over the actual value of the car and are sending debt collectors to harass me. what legal ways can I sue or do anything about this? cause I'm not paying this so called debt and I will not allow this. these company 's should in no legal right be able to do this to people and the fact there is no government ordinance to watch over this stuff is beyond unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
inquiries on my report that i do not recognize or give authorize.

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 2023-03-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 explanation
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my Experian, XXXX and XXXX credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : Experian : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, 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 2023-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I woke up to find XXXX transactions in my bank account one going to my other bank account and the other to someone named XXXX. The payment message said XXXX. So I tried to figure out what was going on only to find out that my brother took my phone while I was sleeping to send that money. I called and told chase what happened to my brother but took the blame for it since I figured there was no difference between me taking the blame or not in this case. Only to be told by an attorney that I need to call back and tell them that I didn't authorize the transaction. So I called back and they told me I need to go inside a branch write a note and fill out a paper to cancel the claim and refile it again. So I went inside the branch and did that, only to call the next day after they rejected my claim since " it was authorized ''. And they told me they didn't get anything to change the claim. But they did, since they rejected the transaction going to my other bank account ( rightfully so ) ( I'll figure that out with XXXX XXXX XXXX ). And both claims were on the same paper. They even told me they see it on the other claim and after I told the representative to read it and he started reading it. He went quiet and didn't say anything. I attached the document that was sent to chase below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NJ

Complaint narrative:
In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have XXXX active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX  has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. Transunion was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. Transunion is colluding with the collection agency and Transunions action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. XXXX  times I filed dispute through Transunion website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.

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 2023-03-24 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: FL

Complaint narrative:
I had XXXX account with XXXX XXXX reporting on my credit report. One account # XXXX and was for the amount of {$1600.00} and the other was for {$800.00} ( I had to call today to get the account number ), account # XXXX. I reported to TransUnion that I never received a bill for this debt or phone calls advising of the debt. The debt came back as verified and no action was taken. I discovered an email in my spam folder containing an offer to settle account XXXX some time after it appeared on my credit report and I submitted my complaint. So, I visit the website and they have an apartment number and a unit number for my address. And a phone number that I do not recognize. So, I know Id didnt provide this on the intake paperwork at the hospital. The address was listed as XXXX XXXX XXXX XXXX unit XXXX unit XXXX, XXXX, fl XXXX and phone number ( XXXX ) XXXX. I called today to XXXX XXXX to get the account number for the 2nd account so I could see what was listed as the contact information on it. I was provided account number XXXX. I logged an it shows my address this time as XXXX XXXX XXXX XXXX Unit XXXX XXXX, FL XXXX and phone number ( XXXX ) XXXX. So, XXXX not sure how these came back verified and the intake forms should be able to be confirmed. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX and my phone number is ( XXXX ) XXXX and has been for over 5 years. Account XXXX was removed because it is now a paid medical debt but should never neither should have been added in the 1st place. Please help.

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 2023-03-24 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: MD

Complaint narrative:
There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.

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 2023-03-24 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: EQUIFAX, INC.
State: NC

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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
Since nearly 60 years ago I've been harassed by a collection company that has medical bills having nothing to do with me I've asked for reports and proof and nothing has been furnished they are in violation of the fcra reporting laws and federal debt collection act. Please produce original signatures or stop harassing me and remove it from my credit

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is in regards to : Billing dispute XXXX for XXXX transactions on my Citi Aadvantage account ending in XXXX, and Billing dispute XXXX for XXXX transaction on my Citi Premier account ending in XXXX XXXX separate purchases were made in the month of XXXX. It was clear soon after that the company is a scam and vanished. Goods and services were never provided. The company showed on their website a refund policy of 60 days. I contacted Citi bank within 30 days of each purchased when it was clear to me company was not responding and they were a scam, to get my money back. In my mind, since the purchase had been done within 30 days, the money was probably on escrow or something. Citi bank instead of contacting the merchant ( quick and easy process ) to confirm they are no longer operating, and did not provide any goods or services to me so my money could be returned, decided to instead wait XXXX week to request for me to sign a form. I sent documentation to Citi bank via the e-mail provided, and also faxed it. I want Citi bank to just deal directly with the merchant so my money can be returned as soon as possible. This ordeal has caused me and my family a great deal of stress and 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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear TransUnion, I am writing to dispute the accuracy of information on my credit report related to an account with XXXX XXXX The information on the report is invalid and incorrect, including the date the account was opened, last name, and statute of limitations to collect the debt. 
I have previously reached out to the furnisher of the account, but they have not yet admitted the claim or provided any evidence to support the information they reported. Therefore, the information related to the XXXX account violates the following section of the Fair Credit Reporting Act ( FCRA ) : * Section 611 ( a ) ( 1 ) ( A ) - the information being reported is inaccurate I demand that this inaccurate information be removed from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. I have attached documentation that supports my claim, including evidence that I have not received any communication from the collection agency or any documentation to verify the claim. 
Please investigate this matter and update my credit report accordingly. Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Chase Bank froze my account because THEY misunderstood my son 's inquiry into a previous UNRELATED joint acct. I got my daughter to investigate the problem for me. They would not speak to her even though I gave permission. 
We went to get a notarized Power of Attorney. They REFUSE to honor it! 

This is not the first time this has happened. More than 20 years ago Chase added illegally fees for services to my account they claimed I asked for. I did not. 
They then claimed my dead husband had. He had not. It's sexist & condescending. 

In current problem Chase Bank also claims they are just " trying to protect me ''. Again insultingly condescending in order to cover their predatory practices. 

Chase also blocks any attempt to resolve the problem by blocking our combined ( Mine, my daughter 's & my son 's ) efforts to communicate with them. We get put on perpetual loops of go talk to 'x " go to 'y ' no go talk to 'z " We have spent more than 40 hours trying to talk to someone!!! 

( Final insult was they use threatening tone to say we are recording you & will use this. When we say " ok and we are recording you ' They refuse! ) The POA was meant to bypass those blocks so my daughter could speak on my behalf. They're blocking that & any other efforts to unfreeze more than $ XXXX that they refuse to release nor discuss!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
It has been almost 4 months since I submitted my complaint numbered XXXX to the CFPB on XX/XX/XXXX, I still have not received my refund of {$25.00} from Capital One. 

As I stated in my submitted complaint, I closed or ceased all of my Capital One related accounts on XX/XX/XXXX and paid {$25.00} more to my Quicksilver Credit Card of XX/XX/XXXX Payment Due Date on XX/XX/XXXX. Therefore I expect Capital One to refund {$25.00} back to me by mail. I still have not received my {$25.00} refund by mail until today of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have been trying to get this Late off my credit report for months. I have sent in XXXX disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. I did not opt in at any time for the bureaus to report my student education records.

Company response to consumer: Closed with explanation