vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Received a voicemail on XX/XX/XXXX stating I needed to call them back as soon as possible due to actions taken against me. I called the number back and was told I needed to be transferred to a case manager. I spoke to XXXX XXXX who stated they were contacting me due a civil lawsuit against me relating to money I owed to Wells Fargo on a closed account. I asked when the account was closed. He said it was closed in XXXX and I owed {$800.00} which will be sent to their attorneys if I did not settle the debt today. I told him I thought the statute of limitations for debt collection was 7 years so why are they contacting me about something is almost XXXX XXXX XXXX. He said this a federal deficiency matter because Wells Fargo is a federal bank and therefore the statute of limitations is 15 years. He repeated all 9 numbers of my full social security number to me. Not sure how they have that information. I don't even believe I owe anything to Wells Fargo. I asked him if I owe Wells Fargo, why have they not sent me anything in 10 years and then all of a sudden I'm getting a call being threatened with a lawsuit. He said he wasn't threatening and that if I did not make attempts to settle the debt they would report it the XXXX, all three credit bureaus which will force my bank to close my current accounts and they will send my case file to their attorneys. I told him as far as I knew, they aren't allowed to report anything to the credit bureaus more than XXXX XXXX XXXX and that I was not going to pay anything without proof that I owed it. He then said he will notate my account as refusal to pay and to watch in the mail for civil lawsuit papers and then hung up.

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 2024-03-15 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: NJ

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I filed a dispute concerning inaccurate information on my consumer report on XX/XX/year> and provided the following evidence that it was furnished incorrectly without a proper investigation. According to the FCRA, the agency which is XXXX was supposed to validate the debt and credibility with my peers, friends, family and most trusted individuals that would have knowledge of the account in question. They did not do a accurate investigation and did not validate the account with the investigating agents information or creditors information. 

Therefore, Under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
- I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-03-15 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ LVNV funding LLC ] [ XXXX ] XXXX : [ LVNV funding LLC ] [ XXXX ] XXXX : [ LVNV funding LLC ] [ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: SC

Complaint narrative:
When I was XXXX, my father gave me ability to use credit. My credit score remained very low and has remained low over the years. As a user of XXXX for a couple years, I use the method of disputes to try to remove reports that I wasnt linked to. I wasnt understanding why my credit wasnt getting changed over time. I have notifications that alerts me of my credit use and from time to time Ive been seeing notification alerts of my SSN has been traced and/or has been used, multiple address has been linked under my credit file and I have been unable to figure out why. Late XXXX of XXXX, I called my dad, XXXX XXXX, and asked if he was using in an apartment under my SSN and he Claimed he has no understanding and change the subject asking me what was for XXXX. I paid no attention to this. XXXX XXXX I received another notification from stating my SSN number has been used again with XXXX address linked with the alert. I took a screenshot of the alert. I told my boyfriend and he was giving me information on how to contact experience days later. The best thing I knew to do was dispute it off my credit and to call XXXX. Before I had the chance to call XXXX. I had a visitation with my father. He picked me up at my current address and drive to His apartment. Before I left the next day, I noticed the address on his piece of mail was linked to the alert on my XXXX app. Ive noticed other things that wasnt making sense for my credit report such as, one of the first use line of credit on my credit score is a credit card from XXXX XXXX back in XXXX. The account was open right after my birthday, XXXX XXXX. I was age XXXX living with my mother, XXXX XXXX, in XXXX North Carolina. The first credit card Ive ever owned was XXXX XXXX XXXX recommended by him and he helped me open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted the company seem to discuss payment. I was ready to make payment to bring the account current. But the representative provided me with a different process that we could potentially utilize. She assured me that if I decided to Take advantage of the offer that no. Negative reporting would be done in any way regarding the month 's added to the end of the loan. The only reason I agreed to do this was because of that statement Since it is adding interest to the loan and costing me more money. This was not done as I was assured. It would be because I have since been denied. A vehicle long based solely on the reporting from bridge crest. Stating that I was delinquent. My payment history shows that I made payments in XXXX XXXX XXXX. And then the deferral was given in XXXX. They were not supposed to report negatively in any way. But they did costing me both time money and lack of vehicle due to the fact I. Decommissioned my trade in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I never received any type of communication from this company and they reported a debt for {$130.00} to my credit. I have never even had cable in my life and it appears they are a cable company. I asked for proof and it was never received and I have lived in Texas for the last 10 years of my life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to express my dissatisfaction and file a formal complaint regarding unauthorized charges on my Macy 's credit card, which is serviced by Citibank. Despite reporting the fraudulent purchase to their fraud investigation department over six months ago. Macys fraud department decided that I am still responsible for this unauthorized purchase. 

An unauthorized purchase appeared on my credit card statement, and upon noticing it, I immediately reported it to your fraud investigation department. Despite my efforts and persistence, Citibank has failed to provide transparency regarding the nature of this purchase. Additionally, instead of resolving the matter, I have been directed to debt collection. 

It is frustrating that Citibank has concluded that I am responsible for the unauthorized purchase, despite my clear assertion otherwise. I urge Citibank to provide detailed information regarding the disputed transaction and to rectify the situation.

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 2024-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to use my American Express XXXX card with a balance of {$320.00} to pay for multiple bills but was declined every time on several occasions. I attempted to use the card to pay my XXXX phone bill, my XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX water bill all for amounts less than the {$320.00} balance. 

I called American Express and was told that my card was declined for security purposes to prevent fraud. I provided my own information to say that it was definitely not fraud and I was using the card to pay off several bills but was told that I would have to simply keep trying. This is inexcusable as I am unable to use my card ( I would love for a fraudster to pay off my bills ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi closed my account on XX/XX/24 claiming that I was not able to maintain the security of this account. This is not true and I can prove this if needed. 
After many years of using this card for almost all of my purchase I had accumulated about XXXX points as per my XXXX statement. 
When I tried to call to redeem the points i was told they had been " forfeited '' because Citi closed 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 2024-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX my account was suspended I was asked to send identification a sent my license immediately on the XX/XX/XXXX I asked for a follow up email submitted a ticket have called by phone to no response except I have to wait every day on XX/XX/XXXX and XXXX XXXX I have called emailed and chatted with online chat to take the suspension off my account they will not let me gain access I have had venmo for over ten years I received my direct deposit and my account. Was immediately frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: IN

Complaint narrative:
I'm writing to complaint to TRANSUNION about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

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 2024-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was cold called by Amerisave Mortgage on Saturday XX/XX/2024, and was told that I had my credit score was good for me to apply for a Heloan. I told the loan officer that I more than likely wouldn't get approved because of DTI ratio. The loan officer convinced me to let him try. So I relented and he ran a hard inquiry on my credit after I paid a {$24.00} fee. He came back and said good news! You've been approved, but first I need to get an appraisal on your home and I will need {$500.00} for the appraisal. I was reluctant, but was assured that this was a formality, and I was already approved for the loan. No movement or phone calls from Amerisave after that until I called, and texted, and left messages about the hold up with the loan, and twice I was told it was an IT issue on the appraisal portion. I asked how is that when I thought a real appraiser was coming to my house to do an appraisal, but the loan officer said no the {$500.00} fee was for something called and lock and shop. That's clearly not what he told me from the outset. Now almost XXXX weeks later, and I have been emailing the processor back and forth about the hold up after getting all the income documentation in that they asked for ; now they say that the DTI was too high and the loan was sent back to the loan officer to re do. I am completely upset, crushed, and infuriated! I don't have {$500.00} to just give to people like this! I feel completely defeated and scammed!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: NJ

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-03-15 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: NJ

Complaint narrative:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-03-15 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
on XX/XX/year> TD Auto Finance has unlawfully placed an unauthorized inquiry on my credit report, resulting in damage to my credit score and reputation. This has made it challenging for me to access credit and provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
XXXX XXXX, the vendor that installed a home air-conditioner in 2017, told my husband and me to sign a document for GreenSky, only to see whether I could qualify for a loan. I indicated that I did not need a loan and that the air conditioner would be paid for in cash. Per agreement, the bill was paid in cash. Apparently, the company proceeded to take out a loan with GreenSky without my consent or authorization. I was unaware of this until recently, when I applied for a credit card through my local bank who was having a special promotion. They informed me that I had a " serious issue '' and advised me to obtain my credit report from XXXX. I did so and discovered that there was an unpaid loan amount from GreenSky. Apparently, the loan was given to the vendor, XXXX XXXX, without my knowledge or consent. Although numerous attempts have been made to obtain any verification of my ever having authorized submission of a loan application through GreenSky, they have been unable to do so, because I never signed a loan authorization. This is the only blemish on my entire credit history, but it has had a significant impact on me and has maligned my otherwise perfect credit reputation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
account was opened anticipating the {$500.00} signup bonus that is advertised, but even after meeting the signup bonus direct deposits and waited 90days I have not received the bonus.

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 2024-03-15 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: TX

Complaint narrative:
Unauthorized/Unverified inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief