vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously sent two update letters to TransUnion, XXXX, and XXXX to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.

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 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent two update letters to XXXX, XXXX, and Equifax to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
I have no record of this debt and it is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2022 a military personnel wanted to friend me on XXXX and I accepted, his name was XXXX XXXX. A couple weeks later he asked me to download XXXX chat app so we could text. Our relationship was going very well and feeling grew. About 5 or 6 weeks later he told me he had to get his personal papers and XXXX XXXX dollars and gold dust that was in a box at a security company in the XXXX. The company " XXXX XXXX " was having management problems and the building was being under new owners and being turned into a hotel and he need his property mailed to me until he retired in 3 months. 
This is where the fraud and scam started. The were named changing cost, flight cost and other charges to get his box delivered to me. My money was sent to Security Service Federal Credit Union in Colorado to a real account. 
XXXX also wanted me to email The United Nation to help him get leave so he could visit me because now ,4 months later he wasn't retiring yet and would cost me over {$4000.00}. 
I XXXX The United Nation online and this is when I knew he was lying and scamming me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: FL

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
As of XX/XX/2023 ( date of complaint ), I am less than 30 days past due on a payment on my account with Ollo. I've run into minor financial issues due to the loss of my fiance in XXXX, but the past due payment will be resolved as of XX/XX/2023 ( all payments caught up to current ). Ollo has called my cell phone 14 times since XX/XX/2023, with some calls coming back to back. Given that the account is only 16 days overdue, this seems rather excessive and borderline harassing. I've had a good experience with this credit card prior to this incident, but this ordeal has put a pretty bad taste in my mouth and has put me off of doing further business with them.

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 2023-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On today collections company LVNV FUNDING LLC reported to my credit that the collections account was closed or settled, I paid the account. 

Then they also reported on the same days XX/XX/2023 to XX/XX/2023 that the account balance increased. 

At this point I feel like one of these statements is false or should not have been reported and has a negative unnecessary impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: DE

Complaint narrative:
I am trying to delete the unauthorized hard inquiries from my credit report. It is affecting me from attaining new forms of credit. I am purchasing a home, and I need the hard inquiries from my credit report to start getting pre-approved for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: DE

Complaint narrative:
I am trying to delete the unauthorized hard inquiries from my credit report. It is affecting me from attaining new forms of credit. I am purchasing a home, and I need the hard inquiries from my credit report to start getting pre-approved for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Due to unforeseen circumstances, I incurred several late fees on a loan. I eventually made those late fee payments, actually on 2 occasions because the company did not post my payment to the late fee. When I was prepared to make the second late fee payment, I contacted the company to get confirmation of the exact amount to make the loan current and get the late fees caught up. I immediately made the payment online. After seeing the payment post and STILL not being applied to the late fee, I contacted the company. I was told I needed to make the XXXX payment then the late fee would be covered. I made that payment on XX/XX/XXXX. Today, XX/XX/XXXX I contacted the company again because I recevied a statement and the late fees are STILL on the account. They continue to use the money I am sending for late fees and are applying it to the principal. I am now being told to make the XXXX payment on or before XX/XX/XXXX and they will take the late fees out of that payment. Late fees are {$270.00} and I have paid that TWICE. so they have {$540.00} extra on the principal and {$270.00} in late fees. 
Late Fees : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these XXXX were paid XX/XX/XXXX {$170.00} but they applied the payment to principal XX/XX/XXXX - this was paid XX/XX/XXXX {$48.00} but they applied the payment to principal XX/XX/XXXX - this was paid on XX/XX/XXXX {$56.00} XXXX the {$170.00} again and the {$48.00} again. And once again they applied the payment to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXXXXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  account # XXXX XXXX credit # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I applied for a credit card through XXXX XXXX in XX/XX/2022 and was approved and used that approval to purchase shoes for my daughter. Since then I have never received a statement or my credit card from the company. They now have my account listed as delinquent on my credit report but show that I made my first two payments on time with no change to the amount owed. I'm not denying that the account is mine, however, I am staying that my account can not be delinquent after making 2 payments on time when I have never made a payment because the company has never sent me a statement. My credit card isn't even activated because I have never received one. I want my account updated to current and all late fees removed due to it being the company 's fault that I have not paid on the account. Once they send me my card and my statement I will pay the balance without late fees in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: COMMERCE BANK
State: AR

Complaint narrative:
See attached letter. Just received the cards, confusing and misleading advertising, thus appears to be fraudulent, thus we cut cards in half and returning to Commerce bank as we received cards today, XXXX. 

We do not want to do business with this entity and will not be a part of this, and do not agree to the disclosures and advised to cancel account forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: NV

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.

Account name/Account # * XXXX XXXX XXXX XXXX  ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX  XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXX XXXX XXXX  * XXXX XXXX XXXX XXXX XXXX Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX, XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * Department of XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # 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 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 2023-03-11 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: NV

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.

Account name/Account # * Merchants & Medical credit ( Account # XXXX ) * XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX ( Account # XXXX ) * XXXX  XXXX Bankruptcy ( Ref # XXXX ) XXXX XXXX XXXX XXXX XXXX  * XXXX XXXX XXXX XXXX XXXX Account # XXXX ) * XXXX ( XXXX ) ( Account # XXXX ) * XXXX XXXX XXXX, XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) * XXXX XXXX XXXX  ( Account # XXXX ) * Department of Education/ XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX ( Account # 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 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 2023-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-11 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: MS

Complaint narrative:
I recently pulled my credit report on XX/XX/XXXX and seen some unauthorized hard inquiries I contacted the companies personally but letter and yet gotten a response so I called after 30 days and a employee caught an attitude with me and told me to reach out to the credit bureau and hung up on me. I contacted TransUnion and XXXX and they yet have deleted it and TransUnion says its verified but yet sent proof.. I just need these unauthorized inquiries removed asap its been over 2 months XXXX XXXX XX/XX/XXXXXXXX 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 2023-03-11 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This account has been paid off and I do not recognize all these delinquent reports 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 explanation
Consumer complaint received 2023-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I made a purchase on XX/XX/ at a local furniture store using my store account that is issued through Wells Fargo, N.A. I used the store card because it is 12 month interest free financing. My issue however is that upon logging into my Wells Fargo online account I am unable to make payments on my account because they have still not processed my purchase. I have continually checked my online account since I made the purchase and the charge still to this date ( XXXX XXXX XXXX a month a half later ) shows as a " pending transaction ''. To date I have still not received a statement on the account either, the first of which should have been issued in XXXX. The online system shows that my next statement is scheduled for XX/XX/XXXX but this is similar to what it showed last month ( but XXXX cited ), so likely that I will not get another statement. Periodic statements are required under TILA/Reg Z , so I am concerned that one hasn't been issued yet on my account. Furthermore, Wells Fargo 's online system will not allow me to make a payment on the account as their system states " Your payment can not exceed your outstanding balance. Please change your payment amount. '' I have never had a delay this long on any credit card purchase posting to an account, and at this point it is preventing me from making payments that I should have the right to pay on my account prior to the end of the 12 month 0 % interest promotional period. This to me can be construed as consumer harm and resolution should be to extend the promotional period to allow consumers 12 consecutive months with the ability to make payments on the account at 0 % interest. Also, just now when I logged into my account, their online system has an alert that states " If you see incorrect balances or missing transactions, this may be due to a technical issue and we apologize. Your accounts continue to be secure and we're working quickly on a resolution. '' This to me is not adequate customer service from one of the largest banks in the country. They have been in the limelight for practices that create consumer harm and this is one that can be added to their track record. 

Thank you for your attention to this matter.

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