vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off Target. I had a XXXX balance as of XX/XX/2022. I asked Target to please close my account. For whatever reason they never closed it! Target was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, Target took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. TargeXXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against Target for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
XXXX United Wholesale Mortgage loan recast from $ XXXX to $ XXXX. 
XXXX XXXX {$95.00} Mortgage Insurance premiums ( XXXX ) still being charged. A formal removal request sent XX/XX/22 XXXX {$510.00} paid for reported escrow shortage XXXX statement with XXXX {$95.00} PMI charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # : 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 602 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have reach out to Experian on multiple occasions. I have asked them to remove/delete the outdated tradelines that they are still reporting on my credit report. I have advised them that the tradelines were remove by the other bureaus due top the accounts being OUTDATED AND OUT OF THE STATUED OF LIMITATIONS TO REPORT. 


XXXX- outdated XXXX XXXX- outdated XXXX XXXX XXXX outdated XXXX XXXX outdated XXXX XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated XXXX XXXX- outdated 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 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a secure credit card with 5/3 bank. I closed it because they wouldn't raise the amount after using it without any problem with card. I call my personal bank in XXXXXXXX XXXX told him i want to close it and why. He closes the account but didn't leave any money on the secure card. A charge came in after for approx. {$50.00}, there was money in my checking, instead they start running up overdraft fee. I final saw a note on online banking about this. XXXX talk to branch MGR and district MGR about waving fees that they cause, They remove about {$200.00} but not all of them. Even though they admit to mistake. 
Its still on my credit report to.I have several call into District Mgr XXXX XXXX. 
he said he would check into it, but has not because I ask XXXX again. 
They are at fault, with this situation. 
They need to remove this from my Credit report and wave all fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint against WESTLAKE FINANCIAL SERVICES WESTLAKE FINANCIAL SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to WESTLAKE FINANCIAL SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND WESTLAKE FINANCIAL SERVICES to delete this account/item within 4 business days ( Exhibits provided ) WESTLAKE FINANCIAL SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2022-04-02 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act 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

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 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Capital One Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to Capital One credit card fraud department XX/XX/XXXX. Capital One stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: PA

Complaint narrative:
I have already disputed this with Ideal Collection- XXXX XXXX XXXX XXXX, XXXX and XXXX on multiple occasions but it keeps getting reopened. This is a fraudulent attempt to collect. I never even lived there. They apparently made up some charges and continue to attempt to collect on fraudulent, phoney, made up charges. 
My superior credit rating has been devalued by over XXXX points as a result and I just cant resolve this fraud issue. 
PLEASE REMOVE THIS FRAUDULENT ACTIVITY FROM MY ACCOUNTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act 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

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 2022-04-02 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint against ABILITY RECOVERY SERVICES ABILITY RECOVERY SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to ABILITY RECOVERY SERVICES to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) ABILITY RECOVERY SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2022-04-02 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: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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

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 2022-04-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I spoke with a supervisor and 2 employees, explained that I had an unauthorized inquiry on my credit report. I contacted the original creditors and they sent me supporting documents stating for the unauthorized inquiry to be deleted. The company never deleted the inquiry after multiple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX, XXXX Portfolio Recovery Associates. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to XXXX XXXX credit card fraud department XX/XX/XXXX. XXXX XXXX stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
- I have bought a washer from best buy with their store credit card. 
- I didn't receive the credit card more than 10 days after. Called and been informed them and they were claim that they fixed it and will resend it again to the correct one. I setup auto payments during the call. 
- 2 months iam calling that no card is showing and every time they claim that yo verify my identity they have to send a letter to the same wrong address! My credit score goes XXXX point coz of a washer i have its whole amount! I asked them to report the issue to the credit bureau. They didnt. 
- i called and asked for a supervisor, he lies to me and say if you pay now and made the debt below 30 % you will get your previous score again. I did pay at once. He fixes the problem. I get my card but my score didnt get back to its original status.

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 2022-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
This complaint is in regards to cfpb complaint # XXXX. I filed a complaint with the cfpb in regards to my XXXX XXXX. The cfpb looked into the matter and contacted Barclays XXXX XXXX XXXX. Barclays XXXX XXXX XXXX noted in a response letter addressed to the cfpb and me that they would reinstate my Barclays XXXX XXXX XXXX. Apparently as a result of this response the cfpb closed this case. However, even though I received a letter from Barclays XXXX XXXX XXXX noting that I could begin to use my credit card once again on the specified date, the card continues to be declined when I attempt to utilize it. I did attempt to contact Barclays / XXXX XXXX with the telephone number provided on the response letter however I have failed to get a response back after leaving several messages with Barclays XXXX XXXX XXXX to do so. Would you please open a new case and follow up with Barclays XXXX XXXX XXXX to address this issue. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I went to my US Bank branch in XXXX WA to send an international wire transfer to XXXX XXXX. XXXX. For {$15000.00} ( XXXX XXXX dollars ) Wire XXXX The receipt said that the funds will be available XX/XX/XXXX but the money was never received till now XX/XX/XXXX. and is not in my account neither. 
I been in the branch several times and they just said that it has been reported. 
Now they don't want to talk to me anymore. 
Thank you for your attention. 
Desperate customer

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 2022-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Signed moving agreement and sent the {$1000.00} deposit requested via ACH. 1 hour later, called to cancel, as was suspicious that the company was fraudulent, was told " there was nothing they could do. That we will keep the deposit, and you can use it for a future move. '' A check was made up with my account information, and the number given for my move was used as a check number so that my bank could not stop payment. Bank also refuses to refund and stop future withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02 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: TN

Complaint narrative:
ACCORDING TO THE FCRA THESE UNAUTHORIZED INQUIRIES NEED TO BE REMOVED. KNOWINGLY LYING, MAKING FALSE STATEMENTS OR CONCEALING VITAL, SIGNFICANT AND PERTINENT INFORMATION, DATA AND/OR BOOK ENTRIES CAN, XXXX AND WILL IMPLY THAT YOU ADMIT YOU ARE SECRETLY ENGAGING IN THE PRACTICE OF SCAMMING PEOPLE, EXTORTING PEOPLE, AND DECEIVING THE PEOPLE AND YOU ADMIT THAT THIS IS TRUE AND CORRECT IF YOU DO NOT HONOR THE REQUEST

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 2022-04-02 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I reached out to XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery on XX/XX/XXXX. To this date i have not received a response back regarding the fraud listed on my credit file. 

The collection listed on my file is fraud and should be removed as it is causing hardship with my life plans. I the consumer should not be suffering because of identity theft. 

According to the consumer law 15 U.S. Code 1681c2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such an agency.

1. Portfolio Recovery - XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX No account number listed XXXX. XXXX - XXXX XXXX XXXX XXXX - NO ACCOUNT NUMBER LISTED

Company response to consumer: Closed with explanation