vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent multiple certified mail letters to Transunion 's dispute address, and they all keep getting sent back, here is my 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 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Technology Federal Credit Union
State: OH

Complaint narrative:
Somebody applied for a card in my name at First tech credit union. I am asking the application be closed and the inquiry placed on my credit report be removed. I called FTCU and asked information be removed but representatives said Sorry we can do nothing and 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 explanation
Consumer complaint received 2023-04-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inquiries Request for Delete 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 XXXXXXXX Delete ALL Late Payments On Accounts Below XXXX XXXX - ACCNT XXXX XXXXXXXX XXXX XXXXXXXX - ACCNT XXXX XXXX XXXX XXXX XXXX  - ACCNT XXXX XXXX Remove/Delete all Accounts bellow XXXX - ACCNT XXXX XXXXXXXX TXXXX XXXX XXXX ACCNT XXXX XXXX XXXX, XXXX. ACCNT 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 2023-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I signed up to open a new checking acct with the understanding that I would get a {$300.00} bonus after 180 days and upon having {$2500.00} in qualifying direct deposits within 60 days, which I did comply with. 
I read the print that said I would not be able to qualify for this promotion if I currently had an open acct of if I closed a previous acct within the past 90 days. Neither was true. 
I had an acct that I closed in XXXX of XXXX. I see now on their " promotional '' terms that you will not qualify if you've ever received a bonus before. However that verbiage was not in the fine print when I opened this acct last XXXX. They think because that is their rule now that I fall under that. I dont. That was not the rule in XXXX of XXXX when I opened this acct. Therefore I think I deserve this {$300.00}. I am sick of banks doing their bait and switch tactics. I called the TD bank about this and they are trying to tell me I am not eligible for it. I am eligible for it and I would like it. I have my paperwork from I signed up that shows I am eligible. Please let me know how to proceed..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I recently provided a client with a consultation on how to repair his personal credit and establish a business entity after service was rendered he request a refund at which time PayPal complied I have submitted proof that service was provided with screenshots and also advised PayPal that it would be a fcra violation PayPal has made numerous threats to garnish money out of my account using threatening messaging to retrieve a so called debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are companies that are reporting me as late even though I'm not that's why I need you to look at the attached documents to understand what happened.

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 2023-04-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Some companies are reporting me as late even though I'm not that's why I need you to look at the attached documents to understand what happened.

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 2023-04-24 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: FL

Complaint narrative:
I have attached a a letter from United States bankruptcy Court stating they do not give out info to anyone to verify a bankruptcy and for that reason alone the bankruptcy reported to all three of my credit bureaus needs to be deleted

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I got a letter from Wells Fargo by mail on XX/XX/XXXX showing my checking account ending in XXXX will be closed by XX/XX/. The letter doesn't give any reason of the account closure. I contacted the phone number on the back of letter, XXXX, on XX/XX/XXXX, XXXX. One agent answered my call and tell me this is the final decision. They can not disclose any additional information.

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 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: MN

Complaint narrative:
Hello, Im writing CFPB in regards to a debt from XXXX XXXX XXXX  and XXXX that was paid back in XXXX, and to make matters worse this debt is past the 7 year limitation. I have been getting harassing letters demanding payment. I tried to let them know that this debt has been taken care and its passed the limitations but I got no where with representative from Credit Control LLC

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 2023-04-24 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: FL

Complaint narrative:
I have attached a a letter from United States bankruptcy Court stating they do not give out info to anyone to verify a bankruptcy and for that reason alone the bankruptcy reported to all three of my credit bureaus needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Prior to XX/XX/2023 I filled a dispute with Equifax about 2 accounts I have on my credit report. 
I requested that the account be removed because I have paid both accounts off in full satisfaction and I applied supporting documents that showed that I have satisfied my claim of the two said accounts. 
On XX/XX/2023 I filed another dispute submitting supporting documents in a PDF file on Equifax platform and was answered the next day. 
Equifax denied my request to remove both bad accounts off my credit report even though I had supporting documents stating I paid off my debt. 
This two accounts was for Department of Social Services and the Department of Social Services sent me notary letters statement showing I paid my debit off and Equifax denied my request to remove the account off my credit report. 
FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX, I called Barclays ' customer service to report fraudulent charges on our credit card account : XXXX ( XXXX ) charges for USD {$1700.00}, which appeared to have been initiated on XX/XX/XXXX, made to " XXXX XXXX ''. 


For the record, we have never made any purchases with " XXXX XXXX XXXX online or otherwise, with our Barclays credit cards ; we never received a receipt for any purchases made, nor received any confirmation from Barclays or anywhere else, via email or otherwise, that any purchase was made to this effect. 


When I called Barclays on XX/XX/XXXX, the same day the purchase was posted to our account, I was told the card would be canceled, the fraud claim would be investigated, and we would hear back in writing in XXXX days. 


Also for the record, we have multiple chat transcripts, emails, and other records indicating the tickets in question were purchased without our permission by XXXX due to a system error. 


It has been over 2 months, and it remains clear Barlcays is holding me, the cardholder, responsible for a vendor error. 


These charges are not ours, and XXXX is happy to return the moneys, but as of today Barclays refuses to help XXXX return those moneys. 


Since we can't seem to trust Barclays XXXX Customer Service or Fraud departments to do their job with integrity, we are writing because every single representative we have spoken with since initially calling about this issue has told us falsified or incorrect information, and now almost eight weeks after initiating our fraud complaint we still have nothing in writing from Barclays : nothing in the mail, no emails, nothing even on our account online, and literally no one at Barclays that we have spoken with can verify anything is being done to fix this problem. 


It is clear that Barclays customer service has not done their jobs correctly, and that our claims that we did not initiate or complete this purchase are being ignored. 


A successful resolution to this error will be for XXXX to return Barclays funds to Barclays ; my account ( ending XXXX ) to be closed, and a letter of apology sent to me and my wife for this despicable excuse for customer service. 


We will appreciate nothing except prompt and proper resolution of this issue. 


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 explanation
Consumer complaint received 2023-04-24 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
So on XX/XX/2023 I called the company at XXXX and I told them that I didnt have an account with them but it shows my credit report and all such.. They were asking me to verify all my regular information and I had to type my social in order for them to see if they can find my account but they couldnt so I got transferred to customer service and I told them my social and when it came to verifying my home address they said it doesnt match what was on file and Ive been living at my house for a couple years now. I said if they could do anything about it but they told me I have to go through transunion to fix it but they are saying information is correct but Ive never heard of this company before or opened a credit card account with them and its really affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # 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. Chapters 4

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 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Im trying to close on my home. A title searched showed a lien on my property that I have no idea who these people are. 

It is recorded in XXXX XXXX XXXX XXXX in XXXX GA per Case Number XXXX on XX/XX/XXXX. 

The judgement was in favor of XXXX XXXX at XXXX. 

I called and they transferred me to Stegner and Stenger Law office located at XXXX XXXX XXXX XXXX XXXX MI XXXX at XXXX. 

I spoke to XXXX XXXX on XX/XX/XXXX. She was very rude and confrontational. After explaining I was not this person. She insisted that I must provide the last four digits of my social security number otherwise she couldnt give me any information. 

Under coersion I provided the last four digits of my social security number and the only information she provided was an email address. 

She did not need any part of my social security number to provide an email address. 

To tell me I need to send an email to have it removed is crazy. They should have removed it automatically since its the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
someone utilized my identifying information and opened a fraudulent account with M & T Bank as well as XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
On XX/XX/2022 there is an inquiry on my credit report from FNB XXXX I never applied for a credit card with FNB and I want the inquiry removed

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 2023-04-24 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Security Service is blaming the fraudulent transfer on my wife saying she deposited via mobile deposit ( 4 ) out of town checks just under the threshold that only a employee of the XXXX XXXX would be aware of and then making rapid withdrawals of {$3500.00} at XXXX and XXXX Security Service knows that transaction is fraudulent they know the company that printed the checks

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 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
XXXX XXXXe keep calling and trying to get money from clients other then car loans my car was repo I had got the vehicle back but they trying to charge me for a repo fee when I had to pay a repo fee in order to get the car back. They always calling in my consumer laws it states 15 U.S. Code 1692g - Validation of debts and as well as 15 U.S. Code 1692d - Harassment or abuse. Violates are rights in regards to the company and not only that 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Notice that Pursuant to 15 U.S. Code 1635 ( b ). In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$3500.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605 a finance charge is the sum of all charges.

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 2023-04-24 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I co-signed for an auto loan for my sibling. She missed one payment after four years of on time payments. She recently ran past 30 days for one payment. They reported me as delinquent and my credit dropped from about XXXX to XXXX. No one advised me of a delinquent payment or requested that I make up the difference to make things right. They just hit my credit report. I realize that I co-signed for a loan but this is just wrong. Im not even the principle borrower.

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I used an Arvest Bank ATM. I withdrew {$40.00} and agreed to a {$4.00} ATM fee. My receipt showed this {$44.00} amount too. An undisclosed fee named as XXXX XXXX Oklahoma Fee XXXX that I didn't authorize and wasn't made aware existed was also charged for the ATM debit by Arvest Bank XXXX The " XXXX, Oklahoma Fee '' amount was {$2.00} I've been charged fees twice.I didn't authorize the second fee and didn't agree to it. This fee was not disclosed by the Arvest banking institution on the receipt and shouldn't have been added arbitrarily.

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ADP Inc.
State: UT

Complaint narrative:
In regards to ADP Screening and XXXX XXXX. I've tried to email the email they have on file to get my free report. Ive also tried to called the number they keep referring me to ( XXXX ) twice. THe people on the phone dont know how to execute the request. Although XXXX is responsive over email, Im not getting anywhere. I just want to know if they have infomration on me or not and to then freeze me file.

Company response to consumer: Closed with explanation