vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
MARCUS BANK will not let me speak to anyone to close my CD.

I call a representative and when they learn my issue they put me on hold until I am disconnected in 20 minutes or more. 

I am not able to accomplish the task online as the online system is setup to take you in a loop. If i go to CLOSE MY CD on the Marcus Bank web site it only gives the option to close the CD at the maturity date. 

Copied from their website below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Review and confirm update CD maturity updateClosing your CD Estimated balance at maturity {$50000.00} Transfer funds toXXXX  XXXX XXXX XXXX You can make updates any time until XXXX XXXX ET XX/XX/2023 ( the evening before your maturity date ). After this time, no more changes will be allowed. 

( i ) I authorize Goldman Sachs Bank USA to debit my account through an Electronic Fund Transfer for the amount shown above ; ( ii ) I verify I am an authorized signer on the account and agree that this transfer does not violate US laws; and ( iii ) I authorize Goldman Sachs Bank USA to initiate the transaction beginning on the XX/XX/2023 above for the amount indicated, pending no changes to my interest disbursement plan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This option above is the only option for closing my CD. There is no option to close my CD before maturity date. I have called 10 times and get hung up on. I have called other departments and representatives have said they are going to stay on the line with me until I get to the right department and get hung up on again. 

This is extremely scary. This seems like this is a FRAUDULENT WEBSITE. 
https : //www.marcus.comXXXX  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: DC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date 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 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: DC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX, XXXX, and EXPERIAN has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date 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 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer 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 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MS

Complaint narrative:
My debt of {$1500.00} was sold to another company, in which I have no contract with. My current balance is {$1800.00}.

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 explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. 

the following account is in violation :XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: OPORTUN FINANCIAL CORPORATION
State: OR

Complaint narrative:
We received a visa card in the mail from Opportun along with a letter stating they had changed our address from our ( correct ) previous address to our new address. We did not apply for this card, we do not want this card. We cut it up and never used it. We began receiving bills for monthly fees and now have a balance due of {$96.00}. on XX/XX/22 we contacted them and after lengthy conversations with many different customer service agents, we were told the card had been cancelled and fees reversed ; however, yesterday we received a new bill with additional fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Accordance with the Fair Credit Reporting at XXXX  Account listed below has violated my rights : 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 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.

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 2022-08-02 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: MS

Complaint narrative:
Accordance with the Fair Credit Reporting at XXXX Account listed below has violated my rights : 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  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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NJ

Complaint narrative:
I ask the XXXX XXXX XXXX EQUIFAX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My father has XXXX. I have a durable financial power of attorney ( POA ) for him. In XXXX, I went to a Wells Fargo branch to get the XXXX applied to all his Wells Fargo accounts. The POA however was only applied to his bank accounts and not his credit card, on account of XXXX XXXX negligence. In XX/XX/XXXX, I learned that he had {$9000.00} of outstanding debt on his credit card and was incurring late fees. I am unable to review the expenditures or get statements on the credit card. In XX/XX/XXXX, I contacted Wells Fargo credit card services. They had no record of the XXXX even though the XXXX was on file with the banking side of Wells Fargo. I thereafter submitted the XXXX to Wells Fargo credit card services. XXXX weeks later I called into Wells Fargo to get the XXXX applied to give me access to his credit card expenditures. After 35 minutes of being passed around to different departments at Wells Fargo, I was informed that the POA only allows me to call in to get information on the card ( which I could do without the POA ) but doesnt give me access to XXXX information. Wells Fargo benefits from the situation by allowing customers with cognitive impairments to rack up large amounts of credit card debt and fees, while denying meaningful access to those who have been charged with ensuring fiscal responsibility.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

Personal Information is reporting inaccurate, this is the only information that should be reporting ; Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX, VA XXXX Phone number : XXXX My only employer is : XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX  accounts INQUIRES THESE INQUIRE IS NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX  XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX NOT MINE! 
INQUIRES THESE INQUIRES ARE NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX NOT MINE! 
XXXX XXXX XXXX XX/XX/2022 XXXX NOT MINE! 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XXXX XXXX XXXXXX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 
XXXX XX/XX/2022 XXXX NOT MINE! 

( Make sure you put the Account Name and Account # ) has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I first received a debit card that couldnt activate from XXXX XXXX XXXXXXXX. I never applied for this card. Yesterday I received a letter that I was declined for a credit card with Nordstrom that I also never applied for. And it has caused my score to drop tremendously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX 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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX 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 2022-08-02 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have disputed a fraudulent account ( WELLS FARGO XXXX ) multiple times and yet somehow this account continues to report on my credit. I am requesting the removal of this account form my credit as it was opened by someone other than me. Please see the Federal Trade Commission report that I was advised to file by my attorney. THIS ACCOUNT is FRAUD AND YET IT CONTINUES TO 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 2022-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I got a notification that I had a collection account on my credit report and it was from National Credit Adjusters with XXXX XXXX. This account was included in my bankruptcy in XX/XX/XXXX. I called XXXX XXXX XXXXXX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with National Credit Adjusters. 
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from XXXX XXXX that I will attach to this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
5 years ago XXXX placed fraudulent information on my credit file indicating I owed them {$650.00} +or - for which there is no truth. The truth is I was lied to by their rep while in the office, given some paper work to take home which required me to return with the needed information before opening an account with them. When I reviewed the information I knew they were not reliable and return all of the material the next morning to the same office from which I was given the material in XXXX XXXX. That should have been the end of our short association but they didn't like my rejection and filled the fraudulent information. I have no reason to check my credit report but when I was sent a statement that my FICA score had been reduced and asked for a report I discovered their lying ways. Trying to work with you has been impossible because of the stupidity of your rulels.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
Employers : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/2020

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 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX. Continued attempts to effectuate the offer from the company have been met with silence.

Company response to consumer: Closed with explanation