vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: LA

Complaint narrative:
My credit report has a collection from a hospital bill reporting as collections on it. I have XXXX and XXXX and third medical provider.i shouldn't have this in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
i would like this removed from my credit report. i have contacted the company already and they said they dont have enough information to satisfy that this is my account see previous complaints. If they dont have enough information then why is this listed. please see previous complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2024-11-01 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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
Consumer complaint received 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear CFPB Case Manager, I am writing to escalate my complaint against Wells Fargo ( CFPB Case Number : XXXX ) due to their continued failure to resolve the issue of two international wire transfers that have been significantly delayed and remain uncredited in the beneficiary account. Despite repeated requests for updates, neither Wells Fargo nor the intermediary bank, XXXX, has provided adequate assistance, leaving these funds in limbo and causing severe business and financial impacts. 

Details of the Issue First Wire Transfer : Amount : {$25000.00} USD UETR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Second Wire Transfer : Amount : {$15000.00} USD UETR : XXXX Date Initiated : XX/XX/year> Beneficiary Bank : XXXX, XXXX XXXX These transfers were intended for the same beneficiary account at XXXX and routed through the same intermediary bank, XXXX. The {$15000.00} transfer was eventually credited after a 49-day delay, but the {$25000.00} transfer remains missing. XXXX has confirmed that they have not received the {$25000.00} transfer and report no communication from XXXX on either transfer. 

Wells Fargos Unacceptable Response Wells Fargos response to my second complaint is completely inadequate and fails to resolve the issue. They have merely reiterated that they are at the mercy of the beneficiary bank, XXXX, and that XXXX is under no obligation to respond. However, as the originating bank, Wells Fargo holds responsibility for ensuring these funds reach the intended account and must address any obstacles in the intermediary and beneficiary banks. 

Specifically, I find the following aspects unacceptable : Lack of Accountability : Wells Fargo has failed to provide any concrete resolution, merely stating that they are unable to guarantee responses from XXXX XXXX XXXX This leaves me, the customer, bearing the burden of locating my own funds. 

Failure to Escalate Effectively : Despite Wells Fargos acknowledgment of the issue, they have not applied any significant pressure on XXXX to respond to the recall requests. XXXX has refused to provide me with information directly as I do not bank with them, leaving Wells Fargo as the only entity capable of pushing for a response. 

Dismissal of Responsibility : Wells Fargo has stated that the funds are beyond their control after the transaction was initiated. This is unacceptable ; as the originating bank, Wells Fargo should take ownership of the issue and ensure that their customers ' funds reach their intended destination or, at the very least, that they provide proof of transfer and recipient confirmation.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE THESE FRAUDULENT ACCOUNTS ARE NOT MINE. THESE SHOULD BE REMOVE AND COMPLETELY BLOCK FROM MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE THESE FRAUDULENT ACCOUNTS ARE NOT MINE. THESE SHOULD BE REMOVE AND COMPLETELY BLOCK FROM 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 explanation
Consumer complaint received 2024-10-31 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: NV

Complaint narrative:
I found several inaccuracies in my credit report listing late payments that do not reflect my payment history. Please make the necessary corrections.

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 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
RE : Complaint Regarding Improper Handling of Disputes and Erroneous Account Closure - Apple Card Issued by Goldman Sachs To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau regarding the handling of my Apple Credit Card account, issued by Goldman Sachs. I believe my account has been improperly managed, leading to an unjust account closure, despite my compliance and good faith efforts to address unauthorized charges. 
On XX/XX/year>, I spoke with XXXX, a supervisor in the Apple Fraud Department. During our conversation, he admitted that several disputes, not only mine but also other cardholders ', have been mishandled. I have experienced repeated unauthorized charges that Goldman Sachs failed to prevent, despite my numerous attempts to dispute them and my consistent updating of my credit card details. Specifically, one merchant continued to charge {$10.00} per month for over a year and a half, even though I had unsubscribed from their services. Despite changing my credit card information more than six times, these charges persisted. 
Additionally, Goldman Sachs permitted other fraudulent and unauthorized transactions to proceed, despite my multiple disputes and documented history of identity theft. This year alone, I have been exposed to numerous data breaches, further complicating my situation. Despite these facts, Goldman Sachs failed to take adequate protective measures to prevent unauthorized charges and subsequently decided to close my account, which I believe was done in error. The closure was not due to any actions on my part but rather due to Goldman Sachs 's reluctance to address the ongoing fraudulent charges properly. 
The decision to close my account has not only caused me significant distress but also led to the reversal of valid charges for services I use, such as certain Apple subscriptions. As a result, I have been unable to access these subscriptions, causing further disruption. 
I wish to state unequivocally that I never requested the closure of my account. Goldman Sachs decision to close my account was made without my consent and has caused me financial hardship. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am entitled to protections against unauthorized charges and proper handling of disputes. The failure to address these disputes and the decision to close my account without valid justification constitutes a violation of my rights as a consumer. 
I have never been late on payments and understand the value of my banking relationship with Goldman Sachs. My current card balance is {$1700.00}, with a {$0.00} available balance. My next payment of {$110.00} is scheduled for XX/XX/year>, which covers the XXXX balance, and I am committed to maintaining my payment obligations as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account number : ending in XXXX XXXX Last XXXX : XXXX Re : Complaint Discover has asked me to complete an additional verification with the IRS to verify my identity and my tax status. This is done with Discover obtaining my tax returns for the past two years. As I just came to the United States, I had no previous tax returns. So I called and they have sent me an enhanced notary verification form. They explicitly told me and as stated on the form itself and the email I have received, that I have to complete it with a bank I have an account with. So I went to several branches in my area but none of them offered notarizations. Only after driving XXXX miles down to XXXX, I finally got someone to notarize it. However, days after submitting it ( I even attached my driver license ), I was told that it is not enough and I should do it again. That's what I did. After driving around for another day, I found another branch in XXXX XXXX willing to notarize the form for me. However, the bank manager/notary XXXX XXXX XXXX XXXX XXXX XXXX ) from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has pointed out that there are several fields he is not allowed to complete. This is the same thing I was told while completing the first form in the XXXX branch. So far so good, he put a note on it, I got it notarized and it was rejected again. 

The lady on the phone then told me that the form is 'incomplete ' and that I can alternatively go to a XXXX XXXX to notarize it. How am I supposed to know this?! 
Everywhere on the form, and in the email I have received, it was stated that a bank where i have an account has to verify the statements. And that's exactly what I did! 

In addition to that, the lady on the phone told me that my account is gon na be closed. 
This would cause great harm to my credit report and could have long-term consequences for me. I signed up for the Discover card because I'm a XXXX  who's new to the XXXX wanting to build some credit and bridging some financial hardships I have experienced over the past months. 

To these two notary forms, I even added letters to describe my situation. EVERYTHING was rejected. This is unfair and unacceptable, plain and simple.

I have been to two different banks, I had to check out multiple branches in my area to find one who's willing to notarize this documents. And it's still not enough and my account is being closed. This is not even my fault. I demand this to be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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:
Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, 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 2024-10-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Correction of Inaccurate Late Payment Reporting Account No. XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments associated with the XXXX XXXX Account ( Account No. XXXX ). The recent results of your investigation show that this account continues to reflect incorrect late payment entries, which is misleading and damaging to my credit score. 

From XX/XX/XXXX- XX/XX/XXXX you are reporting 30 days late each month which was inaccurate. 

On XXXX, XXXX, and XX/XX/XXXX you are reporting no data which is also inaccurate Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information you report. Your failure to correct these inaccuracies constitutes a violation of my rights as a consumer. 

I demand that you rectify these errors immediately and provide written confirmation of the corrective actions taken. If this matter is not resolved within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau and pursue any necessary legal action. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive been trying to reach the right channels to resolve the errors on my credit report, but so far, I havent had any success. Its been extremely frustrating and stressful, leaving me up at night worrying about my financial future, as these inaccuracies are unfairly affecting my credit score and blocking my credit applications from being approved.

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 2024-10-31 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: NV

Complaint narrative:
Errors showing late payments appeared on my recent credit report, which is not consistent with my payment history. Please make corrections and update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD bank setup an estate account for my deceased aunt. Im the executor and am trying to use the funds to pay the bills until everything is settled. They opened the account, issued checks but have not moved any of the funds into said account. Whats the point of it if its a worthless account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: MD

Complaint narrative:
I am submitting this cease and desist request in response to violations of my rights by the collection agencies listed below under the Fair Credit Billing Act ( 15 USC 1666 ) and the Fair Credit Reporting Act ( 15 USC 1681 ). I believe these violations have impacted my financial well-being and request immediate intervention.

Under 15 USC 1666, I am entitled to dispute billing errors, and collection agencies listed below has consistently failed to investigate and verify the debt they claim I owe. Despite my attempts to dispute this debt, they have continued their collection efforts without providing the necessary validation, thereby violating federal law. 

Furthermore, in violation of 15 USC 1681, this collection agency has reported inaccurate and unverified information to credit reporting agencies. These actions harmfully affect my credit standing and are in direct contravention of my rights to accurate and fair reporting. 

Collection Agencies : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$5200.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$330.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX potentially negative months Date opened XX/XX/XXXX Open/closed Closed Status Closed.

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 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE THESE FRAUDULENT ACCOUNTS ARE NOT MINE. THESE SHOULD BE REMOVE AND COMPLETELY BLOCK FROM 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