vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the XXXX copy A, XXXX has failed to update my account to reflect the paid-in-full status. I called them on XX/XX/23, regarding this matter but they said they didnt know what I was talking about and never took care of the situation This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting XXXX directly, but the situation remains unresolved.

I kindly request the CFPB 's intervention to investigate this matter and ensure that XXXX promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i recieved a copy of my credit report and noticed some accounts the are not mine i never used

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 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i recieved a copy of my credit report and noticed some accounts the are not mine i never used

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Urgent Complaint Regarding Failure to Update Account Status - Loan Paid in Full I am writing to file a formal complaint against Goldman Sachs Bank ( Apple Credit Card ) concerning the mishandling of my account status. Despite having paid off my loan in full and receiving the 1099-A copy B from the IRS/Goldman Sachs Bank ( Apple Credit Card ) , theyhas failed to update my account to reflect the paid-in-full status. 

This oversight not only affects my credit report accuracy but also raises concerns about the bank 's adherence to proper financial reporting standards. I have made multiple attempts to rectify this issue by contacting Goldman Sachs Bank ( Apple Credit Card ) directly, but the situation remains unresolved. 

I kindly request the CFPB 's intervention to investigate this matter and ensure that Goldman Sachs Bank ( Apple Credit Card ) promptly updates my account status to " Paid in Full. '' Additionally, I would appreciate guidance on any further steps I should take to address the consequences of this reporting discrepancy on my credit profile. 

Thank you for your prompt attention to this matter, and I trust that the CFPB will work to ensure fair and accurate financial reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I noticed an account for XXXX on my credit reports. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: GA

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, names/spelling and addresses where I have never lived. I've reached out to one company in question, which is called the XXXX XXXX. They are stating that I leased and actually lived there. However, this is inaccurate. I have been a resident at my current home since 1994, which is where I have lived since birth along with my parents. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

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 2023-12-08 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My bank has been trying to payoff my car loan since XX/XX/23. Sent multiple checks. I have had to call multiple times and have been hung up more times than I can count. Finally today after being so fed up and speaking with rep after rep all saying the check was not received I asked for a supervisor. He stated no payoff check has been received. At that point I tracked the XXXX  package myself and see the check was indeed received by Ally bank ( for the XXXX time ) on XX/XX/23 at approximately XXXX. I inform the supervisor of this to which he puts me back on a lengthy hold and finally comes back with the processing center does have the check. But still won't post to my account until Tuesday ( Another 4 days ) Not only was this aggravating & asinine but seems extremely unethical to hold over XXXX XXXX dollars for days without posting it to the customers account. The reasoning was to ensure the funds cleared, but Respectfully that is only my problem if the funds are returned. Also someone can call the bank directly to verify funds ( I work at a bank and its done every day ). It seems Ally is trying to rack up those extra daily fees late fees ect & most importantly affecting my account history and possibly my credit just to pad more money onto the payoff. It's really unfair & unacceptable on top of lieing about even receiving the funds. I will attach if able screenshots of the multiple calls made the info sent from the bank and the tracking info from 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 2023-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union has violated the Equal Credit Opportunity Act by using false, misleading and discriminatory tactics to obtain and use consumer reporting agencies to denial rightful extension of credit. 

I provided private information at the time which I was made to believe was required in order to obtain a loan. I later found these requirements violated the ECOA, Privacy Act and the Consumer Credit Protection Act. I have a right to privacy and I was coerced into giving up that information. 

I am now demanding return of application submitted and recession of signature given because no consideration was given in exchange for my collateral. I demand that Navy Federal provide verification in sworn affidavit form of verified negative items on consumer credit report. I demand an affidavit of facts for denial of extension of consumer credit after taking application for use. 

I am seeking for damages as credit is a right and using unverified and inaccurate information to deny me that right is damaging to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: VA

Complaint narrative:
Transunion and the other two credit bureaus show a Federal student loan on my report that has been transferred to XXXX from Dept of EDXXXX . However, the credit report still reports that the account is still under the Dept of Ed/ XXXX. The account has been transferred to XXXX since XX/XX/XXXX   and should be paid in full. Transunion states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the three bureaus, and after contacting XXXX , they stated that the last time they reported was on XX/XX/XXXXXXXX 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 2023-12-08 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: NCD Financial, LLC
State: OK

Complaint narrative:
I'm XXXX, I have XXXX, XXXX, memory problems due to XXXX XXXX XXXX XXXX. I thought the blender was paid off 2 years ago but it wasn't, so I called to try and see what I could do to settle the debt. I can't even afford to get food without my food stamps. After all my bills and rent are paid, I have {$12.00} that usually pays for my medicine, so i wanted to know what the lowest payment they could take, I could afford {$12.00} if I didn't get my meds and they refused to take it. They said they will sue me if I can't pay {$100.00} of my {$130.00} debt and if I can't pay them I will go to prison. I offered to give back the blender, it's in good condition but they said it's past that. They said I had till XXXX to pay or else they will sue me. They scared me so bad I had a XXXX XXXX and had to call the head of my health team to calm me down. They told me to pull up my XXXX XXXX XXXXXXXX and stop crying and pay. I asked for advice on how to get the money but all they told me is just pay. I don't have a way to raise money for this, I called to try and work it out but instead they verbally abused and threatened me with legal action. The head of my health team said that what they did breaks the law or something? And that I should report them. I was so scared that they were going to put me in prison because I can't afford all the legal fees they said they would put on me. I tried to explain my situation but they hung up. I am actually scared, I try so hard to not have debts, I try not to live beyond my means and this was such a shock. I literally had XXXX on the XXXX, and have no way to get out and try to make the money they want. I'm still so very confused and upset as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of Wells Fargo for over 30 years. It appears that there are instances of predatory banking practices that warrant further investigation. 

On numerous occasions, I've experienced overdrafts, often coinciding with delayed deposits or what seems to be a deliberate holding of drafts to trigger overdrafts in my account. Additionally, Wells Fargo has acknowledged errors on their part, refunding charges only after my intervention. Without my proactive steps, these charges would have remained unjustly imposed. 

I am deeply concerned about the potential harm caused by such practices and believe that federal oversight is necessary to prevent similar instances from affecting other customers. I kindly request a thorough investigation into Wells Fargo 's banking practices to ensure accountability and safeguard the financial well-being of its customers. 

Thank you for your attention to 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 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been getting constantly harassed and today it's peaked to 6 calls with some pretending to be fake employers or party goers. I have all this documented. The extent they are still going to do to me after I said many times to " XXXX XXXX and stop harassing me '' multiple times and excuse the language. 
It's driving me insane They would curse at me and constantly ask who is this or is this XXXX XXXX. They record me, i already have mine running and let them know. 

I literally saved 5 numbers just today that you can see patterns in their fake proxy numbers such as area codes. I got three texts from made up people that I called and they were made up. Id ask what their first and last name is. Today they went over overboard trying a new way to harass via pretending to be employers. 

I got screenshots of their texts and aliases used such as : XXXX ( XXXX XXXX  ), XXXX XXXX but signed as Nohely ( XXXX XXXX  ), and the best one, i also called and confirmed is first name and last name XXXX ( AT XXXX ). I called after I got up. They told me it's XXXX, first and last name. I hung up. 

Many of the fake numbers used you can XXXX where people confirm it's debt collector online. 

I believe the criminals are LVNV funding. I live in Florida where state law protects citizens from harassment such as I am going through. It's psychological damaging and I been diagnosed with XXXX and XXXX XXXX. Help stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Since XX/XX/XXXX I have been trying to get a XXXX credit card. I keep getting a report that says they are unable to process the request because there is a lock on my Transunion account. I have contacted Transunion every time I think this is at least the XXXX time this has happened. They ask if I have checked the other credit bureaus ( which I have ) even though the report I get specifies Transunion. I have even recently gotten a new credit card through XXXX from XXXX XXXX. 
Today XX/XX/XXXX I called Transunion asked for a manager, explained the situation and was told to check with the other credit bureaus. I then confirmed Transunion, XXXX, XXXX, and XXXX ( XXXX ) show my account is not locked. But when I applied today I received ( Lift your credit freeze so you can apply again. We couldn't approve your application. Contact Transunion to lift the freeze, then you can come back to reapply. 
Contact Transunion XXXX to transunion.com Call ( XXXX ) XXXX ) If you can not help me please inform me where to go from here. Thank you

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 2023-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo admitted XXXX XXXX XXXX  products not needed, not wanted, not authorized specifically IDENTITY THEFT PROTECTION

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 2023-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia debt recovery is not addressing the following : Columbia debt recovery did not send debt validation in the time frame required under the FDCPA. Columbia debt recovery reported this debt to credit bureau in XX/XX/2023 and then sent debt validation letter in XX/XX/2023. Debt validation letter fails to disclose my right to dispute this debt as a consumer. Columbia debt ALSO reported false information to credit reporting agency that account was disputed by consumer on XX/XX/2023 when I never previously disputed this because I was unaware of this account. Quoting Columbias own words here : validatation was sent in XX/XX/2023 as that was around when we received THE FIRST dispute request for documents. 
Proof of these documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a Barclays View credit card. 

On XX/XX/2023, I received a promotional offer via email that states " When you use your Barclays View Mastercard in XXXX, XXXX and XXXX, and spend {$300.00} or more on purchases each month, you'll earn an additional XXXX points. '' and the fine print states that " All points earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' Upon receiving the email, I proceeded spending over {$300.00} in XXXX, XXXX and XXXX using my Barclays View credit card.

Not it has been over 12 weeks after the promotion ended and I have yet to receive the rewards points as stated in the promotion. 

This is consumer fraud. 

I am formally making a complaint to CFPB to investigate how many similar promotions are not honored and how Barclays is tricking people into spending with their credit cards.

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 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending this complaint due to the fact I have reach out to XXXX Credit Bureau to let them know these are unauthorized inquiry and I would like them removed as soon ad possiable it has been passed 60 days and these items are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: GA

Complaint narrative:
I am sending this complaint due to the fact I have reach out to XXXX Credit Bureau to let them know these are unauthorized inquiry and I would like them removed as soon ad possiable it has been passed 60 days and these items are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation