vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent several letters to Transunion beginning in the month of XX/XX/2022 and my last attempt to make contact in the Month of XXXXXXXX XXXXregarding the false information on my credit report. It has been way past 45 days on both occasions and i have not heard from or received any response from the company in regards to my situation and credit file

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 2023-01-05 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax Im sorry based on your update with the required notice of dispute this information should have been updated 30 days after XXXX XXXX dispute in which they failed to do so this can not report on the consumers credit report and I do ask that you remove it immediately based on you entering the heart notice a dispute clearly shows between XX/XX/XXXX of XX/XX/XXXX that dispute was disputed prior to those dates so therefore you can not enter enter that. FCRA 622 and FDCPA 806B. This is a violation and must be removed. The Notification that I receive clearly shows that you just enter that on thXXXX XXXXXXXX XXXX XXXX for XX/XX/2023 and thats not acceptable Im gon na need you or XXXX  XXXX to remove this account immediately and both of you guys have been notified and I think you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is the 3rd complaint about funds that were not issued to my checking account. One of my checks was fraudulently cashed. They first washed the check. This is a check from XX/XX/2022. The fraud team from my last complaint said that they never received a copy of the washed check. We sent it 2 times and they finally sent an email saying that they received the copy of the check. Now the branch XXXX emailed me to see if I had a carbon copy of the original check. The checks that I order from TDBank do not come with the carbon copy. They never originally asked for it and now, all of a sudden they are asking for it. They are making this a very difficult process tor a check in the amount of {$1100.00}. Please help to expedite this process XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waddell Serafino Geary Rechner Jenevein, PC
State: TX

Complaint narrative:
I was contacted on XX/XX/2022 by WADDELL SERAFINO GEARY RECHNER JENEVIN stating that they were collecting an alleged debt. I then sent them a Validation of Debt letter which was received on XXXX XXXX giving them 10 days to respond to my demands or the alleged debt would be considered invalid. They did not respond in time and then sent letters dated XX/XX/2022, XXXX days after my time frame ended. These letters claimed to " validate '' the debt however, their claims and documents they provided did not validate any debt nor link it to me, the natural man, XXXX XXXX. Their letter included fraudulent statements about the identity of the original creditor. I requested any communication from them be sent in the form of an affidavit which it was not. I also requested a contract I signed with Them to contact me, as well as the original contract of the alleged debt with my wet ink signature, which they could provide neither. They threatened me with litigation and the possibility of paying fees and other costs. Their claims have no base and are harming me and my mental health. I have lost sleep due to this issue and request this Debt Collector to cease collection activities and remove my information from all of their accounts and records. I have since sent a notice of fault with an opportunity to cure which was received XX/XX/2022 and an affidavit of non response received on XX/XX/2022. I remain in honor. The documents attached were signed and notarized as needed. Attached are the raw documents from my computer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I got sent a check that ended up being fake and fraud. The bank completely accepted the check, where I then was able to spend it and pay back the consumer of the check XXXX XXXX of the XXXX check on the XXXX XXXX XXXX The bank just now today XXXX XXXX XXXX  ) told me it was fraud and now my account is in XXXX XXXX XXXX  I had XXXX dollars of my own saved up and I am in college in debt, now with XXXX XXXX in my account. I am beyond frustrated and dont know what to do. The bank also gave me a fee since it was fake, even though i didnt know it was fake and they approved it before they disapproved it. I am not sure what to do but the fact that it got approved made me think that it was real. Since I was able to spend it I dont think that it is fair at all that all of the sudden they took back that I couldnt spend it anymore.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XXXX 2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with one another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.

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 2023-01-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XX/XX/2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with XXXX another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XXXX 2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with one another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.

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 2023-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have sent letters in to dispute item from my report, but i haven't received any update from the companies. The letters were sent out late XX/XX/2022. I wish we can speed up this process because I'm being affected by what's on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05 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:
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 Account # XXXX Account name : XXXXXXXX Account # XXXX Account name : XXXX Acccount # 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 2023-01-05 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am NOT financially responsible for the real estate mortgage loan with Truist Bank formerly Suntrust Bank opened on XXXX in the amount of {$32000.00}. It belonged to my mother. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with XXXX and XXXX. Truist bank is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that TRUIST bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
A debt collections company called Aldous & Associates, P.L.L.C. is attempting to collect a debt from my minor child, XXXX XXXX. Contact attempts are included in the attachments of this complaint. 

According to XXXX, he visited XXXX, a local fitness facility located in XXXX, Texas, in XX/XX/2022 and asked for a 5-day trial period pass. The XXXX representative took his driver 's license and debit card. He believed he had a 5 pass and visited the facility less than a handful of times in XX/XX/2022. 

Based on my research, it appears that the XXXX representative took his information and entered a minor child into a contract without his knowledge and without a parent or guardian present. The signature on the contract provided by the XXXX is not XXXX signature which leads me to believe that the XXXX representative also forged the documentation. A copy of this contract is included in the attached documents. 

The XXXX sent him to collections. The Collections Agency ( Aldous & Associates ) will not speak to me to help resolve. 

I have also tried to work through this issue directly with XXXX but can not get XXXX to respond to emails or talk to me in person. Example included in attached documents. 

A fair resolution would be to cancel the debt that has been accrued on the account and cancel the fitness facility membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Complaint # XXXX was incorrectly closed by Wells Fargo over the XXXX while we were traveling. ( Any complaint closed out this fast should be a bell ring to CFPB. ) A Rep from Wells Fargo ( WF ) called today and we went through it again In XXXX we declare bankruptcy to protect the equity in our {$700000.00} homestead. From XXXX to XXXX several mods were offered by WF, none of them XXXX. WF accepted the terms for the XXXX XXXX  Bailout of XXXX, and knew full well that they were obligated to offer mortgage clients experiencing difficulties XXXX mods but repeatedly denied us that option. 
We took WF to Vermont Superior Court where Judge XXXX ruled that WF was obligated under the XXXX XXXX  Bailout agreement and required WF to strike a XXXX  mod with us and pay us 80 % of our legal fees. 
If WF had struck a 2 % XXXX mod with us in XXXX, we would have saved $ XXXX in accrued interest at 4.75 % that was capitalized into the new XXXX XXXX mortgage. I want to recover that $ XXXX from WF  and/or CFPB.

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 2023-01-05 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: MN

Complaint narrative:
Equifax and XXXX XXXX I didnt asked you to go in and Enter included in bankruptcy on XXXX XXXX XXXX I have disputed this with Equifax and XXXX XXXX and both of you guys fail to do a proper investigation based on Equifax credit report the bankruptcy was filed XX/XX/XXXX here we in the year XXXX and you trying to cover your XXXX and enter the requirements ive included in bankruptcy violating the FCRA both of you have been notified to start legal action. Remove the XXXX XXXX account in its entirety and send me an updated credit report I dont care which one of you remove it but it needs to be removed see file of when it was at it! I attached a copy of the credit report into documents showing there is no XXXX XXXX reference anything about it could you please resend me the copy of the report that has been attached and highlight where or of if you see anything regarding a discharge XXXX XXXX and I do exercise my rights under FCRA 609a ( 2 ) to request you to return the copy of the credit report thats attached to this complaints/ dispute Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The address associated with this account isnt mine I have never had or have I ever opened a XXXX XXXXXXXX or any other credit card. The person associated with the address XXXX XXXX XXXX attached to this fraud account should be prosecuted for Fraud if you investigation is through you would see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


1.XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2023-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I have called 4 times to request to have my due date changed from the 5th to the 18th. It is auto debited from my bank account each month. The first time I called, the gentleman said it would be changed and it would take 2 billing cycles to complete. When I received my statement for XXXX, it said the payment would be debited on XX/XX/XXXX. The payment was taken from my account on XX/XX/XXXX. I called and was assured it would be correct for XXXX. I received my XXXX statement and showed a due date of XX/XX/XXXX but the payment was taken from my account on XX/XX/XXXX. I called in XXXX XXXX and was assured by XXXX XXXX that it would be corrected and that when the payment was changed the first time, they only changed the due date but not my debit date for the payment. She said she corrected it and it wouldn't happen again. She also sent me a letter confirming the proper debit date. I received my statement for XXXX and it showed a due date of XX/XX/XXXX. XXXX 's payment was actually taken as agreed. I assumed everything was fine until today! My statement came showing a due date of XX/XX/XXXX and AGAIN they debited my account XXXX XX/XX/XXXX. Now, my account is overdrawn by more than {$500.00} and have been charged {$30.00} in overdraft fees. I am FURIOUS! This is the 3rd complaint I have registered with the CFPB about this HORRIBLE company. I can not understand why I am penalized for keeping my commitment to make my payments but they don't have to keep their commitment to take the payment as they agreed and NOT cause me to overdraft my account.

Company response to consumer: Closed with monetary relief