vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is damaging my credit report over a debt that is not my obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is damaging my credit report over a debt that is not my obligation

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 2023-09-05 00:00:00
Product: Credit reporting 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:
o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the XXXX  XXXX XXXX XXXX I believe that the XXXX  XXXX XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. 

The details of my complaint are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Account XXXX : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the XXXX XXXX XXXXXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, XXXX, TransUnion ]. 

Furthermore, I have noticed that the XXXX  XXXX XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. 

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the XXXX XXXX XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. 

I believe that the XXXX XXXX XXXXXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the XXXX  XXXX XXXX XXXX XXXX its reporting obligations and corrects the interest charge. 

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the XXXX  XXXX XXXX XXXX XXXX support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.

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 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My personal id was stolen and used to get loans. I filed all the fraud paperwork and FDTC report and sent to the credit agencies. My disputes are not getting processed correctly and the information is not attached to the disputes. I am not getting copies of the verification process. 

These are the accounts : 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 2023-09-05 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: NC

Complaint narrative:
Log in Weve accepted your deposit. 
Status : Accepted Your deposit should be available within one business day. In most cases you will have access to at least the first {$220.00} right away. In some cases, it will take one business day to make the entire deposited funds available. 
Date : XX/XX/2023 Amount : {$200.00} Account ending in : XXXX Hold on to your check. 
Wait to shred your paper check for at least 2 business days in case we need more details. You can view images of your check in your apps mobile deposit history. 
If you have questions, visit our mobile check deposit FAQs for help. 



















XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
My phone number XXXX, check your incoming calls. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NC XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX XXXX : This is the second letter in 30 days I am writing to you and the issue has yet to be resolved. Again, I am being taken advance of ( maybe because of age ) and another late fee applied. 
I will follow up with a complaint to the Comptroller of the Currency 's ( OCC ). 
Yesterday I received a call from US Bank stating again my account was past due! 
Wrong, I made the payment five days ago XX/XX/2023. Enclosed is a document. 
I was lied to again and the phone calls on XX/XX/XXXX and XX/XX/XXXX should be reviewed by your staff and Comptroller of the Currency 's ( OCC ). 
US Bank has such a cavalier attitude or maybe because I am XXXX XXXX XXXX. 
I know this will effort my credit score. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
Received Debit card in mail from M & T Bank over weekend tied to an unknown checking account ending XXXX. Contacted M & T Tuesday morning, XX/XX/XXXX and was transferred to their Fraud division. Per their request provided them with debit card number, and gave them last four digits of CHK account number of XXXX which was on the form with the new Debit card. Informed them that I had NOT opened up an account with their bank and did not want this card activated. XXXX in the Fraud division said that he would close the account immediately. But he also needed MY personal info to authenticate that I was ME. Provided my mailing address. He also needed my social security number and birthdate. Gave him last four digits of my social security number, and while extremely reluctant to share, he also needed my birthdate. In order for him to give me more additional information, I had no choice, and in fact he said that all of my personal data was used to open the account. He confirmed there was {$0.00} in the account ; the account was opened online on XX/XX/2023, and that the Bank automatically closed the account on XX/XX/2023. He had no additional information to provide like the actual location or state where the fraudster opened the account. This should be fairly simple for banks to data mine this info, along with email addresses provided when opening the account, along with IP addresses. He also confirmed that M & T does not have banks in my city. He reassured me that the account was closed, and confirmed that a record of our conversation would be noted on this fraudulent account. Question remains as to how fraudster got any of my personal information as I shred everything.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Last year, im a XXXX of XXXX XXXX, i went to college. my social security and id were missing at the time. i reported a credit account. I thought that the fees and interest were going to go away as i said it wasnt I. That wasnt the ase they did stop the interest but i have school loans also so thats dropping my credit along with an account i didnt open or use. I didnt ask or sign up for anything personally this was done online like the company reported back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In XX/XX/2023 American car center closed my loan. Then months later Westlake portfolio management keeps calling emailing sending me letters that I owe them for a vehicle loan. In XXXX I kindly called them and in XXXX mailed them and again in XXXX and now XXXX. To explain I dont have a loan, when American car center went bankrupt they illegally sold them a debt on me. I dont have a car nor loan. I have sent proof over 6 months. Mail withsignatures/email/faxThey call harassing me and my family. They are rude and disrespectful and just nail hard that their system said they have a debt and they want payment! However they refuse to provide any proof of this alleged debt ownership. They are reflecting negatively on my credit. The attachments are the same I have been sending to WPM for six months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a complaint to the Consumer Financial Protection Bureau because I could not access my account after repeated attempts and working with customer service. EF said my account was fully loaded on XX/XX/XXXX. Good for you except I can not access it. Yes I did register a new account online after that as requested after transferring to the new system. The last time I contacted EdFinancial was on which was on XX/XX/XXXX and it shows a successful log-in. Yes and No. That was the day customer service was helping me try and gain access. I was able to get in for 30 seconds. I went out and tried to get back in again and it would not give me access. I have used different internet browsers. And yes I have reset the password. None of EF responses were helpful because I and customer service have done this repeatedly. Every time I try and log in, I get an error message that says to reset my account. And every time we do that, and I try and log in, it loops me back to the same error message. On EF side, everything looks great per customer service- you are not getting any error messages but I am. I CAN NOT GAIN ACCESS TO MY ACCOUNT!!! There is a problem with your system or my account that needs to be fixed. The customer service rep did all he could ; he enrolled me in the SAVE plan on the phone and toggled something so that all bills and correspondence are sent via US mail. Because right now, it is the only way I can pay or know anything because I can not access my account. Something is messed up. Please fix it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I set up a business bank account to transfer funds to my Synchrony Bank personal account. Evidently this is not allowed but I was not told that is was not permitted. Synchrony deposited two small amounts to verify the account and the account was accepted by Synchrony. I then tried to transfer {$50000.00} to my synchrony account from my XXXX XXXX account. The transfer was not allowed but the {$50000.00} was removed from my XXXX XXXX account but not placed in my Synchrony account. I don't know where it went but in about two weeks, the {$50000.00} was replaced in my XXXX XXXX account. 

The problem is that Synchrony Bank now has my savings account on restriction and will not let me access the funds ( XXXX ). I have called every week for four weeks and been told that the issue has been expedited but as of this morning, the account is still on restriction.

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 2023-09-05 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I asked Fay Servicing to close my escrow account several times since XX/XX/XXXX. I have always paid all property taxes on my own as required of me by the " home equity line of credit '' contract I signed in XXXX. 
I paid the XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX taxes. Fay keeps charging me for property taxes they did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

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