vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I received a letter from TD Bank titled " Information regarding your application for credit. '' The letter states : 'We received your application for credit and appreciate your interest in TD. After careful consideration, we regret to inform you that we are unable to grant your request for credit for the following reason ( s ) : YOUR INCOME IS NOT SUFFICIENT IN RELATION TO YOUR AMOUNT OF DEBT. 

I DID NOT apply for this credit. I informed TD Bank ( they are looking into it ) as well as XXXX who are also looking into it. XXXX recommended that I also file a complaint with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Bank XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
This complaint is against Wells Fargo Branch located - XXXX XXXX XXXX XXXX XXXX NM XXXX I have a premier checking account with this branch and doing business with them for last 10 years. I had opened CD account ending with XXXX on XX/XX/XXXX in the amount of {$300000.00} at the rate XXXX  %. I also have two other CD in the amount of {$33000.00} with Wells Fargo. The CD was to be renewed on XXXX XXXX. I also have business account with this branch. 
I was visiting XXXX from XX/XX/XXXX to XX/XX/XXXX. I had visited the branch before proceeding to XXXX, and discussed the case with XXXX XXXX ( banker at the Branch ) about giving us relationship rate since we hold premier checking account which was XXXX % at the renewal time on XXXX XXXX XXXX. I was told by XXXX XXXX to send her email from XXXX to remind her about the renewal. I sent her email on XX/XX/XXXX at XXXX XXXX  which is about XXXX XXXX  MST ( refer doc Email from XXXX XX/XX/XXXX ). When I checked my account around XX/XX/XXXX, my CD was renewed with the rate of XXXX % for the amount {$300000.00}. XXXX XXXX never responded to my email till XXXX XXXX with no resolution to my rates requested.. 
I finally, complaint to Wells Fargo complaint team on XX/XX/XXXX, the resolution given was not in my favor instead ( refer WF Complaint and resolution with Penalty ), they asked me that I had to be physically present at the branch during renewal period. Please refer letter from Wells Fargo on CD mature date, it nowhere mentions that I had to be physically present at the branch ( refer CD renewal and withdrawl doc ). The complaint no : XXXX. 
I had to finally go to the branch and withdraw my CD on XXXX XXXX. I paid penalty of {$1500.00} to Wells Fargo, and I also lost interest of XXXX % from XX/XX/XXXX to XXXX XXXX on {$300.00}. So basically what Wells Fargo did to my CD was in the interest of their own, when they were offering XXXXmonths relationship rate of XXXX  %, they didnt do it in my interest. I would ask Wells Fargo which is more beneficial to the consumer XXXX  % for XXXX months or XXXX % for XXXX  months. I think they know the calculation. 
I had meeting with branch XXXX XXXX, and XXXX XXXX during withdrawl of my CD on XX/XX/XXXX and paid penalty of {$1500.00}. When I asked XXXX XXXX and the branch XXXX for a receipt of having paid {$1500.00} penalty, they said they dont have it the system and cant print. So basically there is no paper or XXXX XXXX of any penalty paid by me. I am still waiting for the document which shows penalty paid. Please refer email conversation with XXXX on XX/XX/XXXX requesting documentation, today is XX/XX/XXXX she has not even responded to my emails ( refer doc Email asking doc for penalty ).

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company made false reports of my account being delinquent during COVID19. The account is also being false reported as XXXX accounts when is actually only XXXX that the XXXX XXXX XXXX XXXX is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against orphans/wards of the court against Florida and Federal 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 explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
The company made false reports of my account being delinquent during COVID19. The account is also being false reported as XXXX accounts when is actually only XXXX that the XXXX XXXX XXXX XXXX is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against orphans/wards of the court against Florida and Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
The company made false reports of my account being delinquent during COVID19. The account is also being false reported as XXXX accounts when is actually only XXXX that the XXXX XXXX XXXX XXXX is responsible for as agreed in mitigation back in 2013 for collecting tutition against the tuition expempt and making unsafe/ unsound scrutiny against orphans/wards of the court against Florida and Federal 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 explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX : XXXX. XXXX, 2023 equifax XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX : XXXX. XXXX, 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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:
XXXX inquiries that I don't recognize XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX : XXXX. XXXX, 2023

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 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have asked that the following collections agencies stop reporting to my credit report on XXXX, XXXX and Transunion under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  balance {$1400.00} XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX balance {$1900.00} XXXX XXXX Original creditor : XXXX XXXX balance {$1400.00} XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX  balance {$1000.00}

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have asked that the following collections agencies stop reporting to my credit report on XXXX, Equifax and XXXX under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  balance {$1400.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX  balance {$1900.00} XXXX XXXX  Original creditor : XXXX XXXX balance {$1400.00} XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX XXXX balance {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-04-22 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: FL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-04-22 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: ME

Complaint narrative:
this is the XXXX  or XXXX  dispute i have done on this XXXX  reporting company. I spoke to the XXXX XXXX  and this company is in violation. I mailed them a couple disputes with proof on the XXXX of XXXX this is the XXXX  one the first was mailed back. So I got proof this time. Make them do their job because I am told I can file a civil suit. I have proof of all my contacts.The XXXXXXXX XXXX XXXX is also taking the info that neither XXXX of you will do anything

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 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
XX/XX/2024 XXXX XXXX issued to my closed checking account from XXXX XXXX XXXX. Wells Fargo will not send me the XXXX XXXX I have called several times over the course of 3 months and have been told every excuse as to why they can't send me my money.

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 2024-04-22 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: 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.

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 XXXX 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 2024-04-22 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: 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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have tried to open an account with PNC and keep getting turned down when I meet all qualifications I can make more than {$2000.00} in direct deposits I have not been able to get a straight answer on why I keep getting turned down

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I have recently gotten an apartment. My 3 score XXXX credit score is XXXX ; and I have my other documents with the individual ones. Equifax and XXXX are reporting it XX/XX/year> as XXXX ; which is absolutely absurd and XX/XX/year> at XXXX. I have called them 5 different times ; 2 hang ups ; and multiple disputes and emails with no resolve or care. this is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: CT

Complaint narrative:
This account is falsely being reported as an open account. All XXXX XXXX XXXX accounts are inaccurately being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: TX

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.

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 2024-04-22 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: CFW Holdings LLC
State: TX

Complaint narrative:
There is a collection account reporting to my credit report which lists Cash For Whatever as the original creditor of the account CASH FOR WHATEVER XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within 15 days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get all three credit agencies to remove both bankruptcies from agencies as they are inaccurately reporting. name is incorrect, dates are incorrect, person al details are all incorrect. 

I further contacted the Courts and they advised that they do not report to any agency. I contacted XXXX and they have refused update there information to reflect correct information by the court system. 

please assist me with getting these two bankruptcy reporting removed, or properly reported per the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Per violation of the FDCPA, which stipulates that I am entitled to {$1000.00}, they have manifestly infringed upon my legal rights. 

I hereby request that this organization remove this account from all XXXX  credit reporting agencies and provide compensation for the infractions. Failure to do so will force me to escalate this matter to my XXXX attorney, who has informed me that the absence of a " consumer disputes '' entry on my credit report constitutes a breach under which I may file a lawsuit against them.

Company response to consumer: Closed with explanation