vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 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: AFNI INC.
State: FL

Complaint narrative:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct 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 non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct 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 2023-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have Identified information on my report that is a result of identity theft, these items are not related to any transactions completed by me. 

I have attached my FTC identity theft report, a copy of my state ID, and a statement identifying the transactions as a result of identity theft. 

I have already tried to get your company to correct this issue my previous file number is XXXX Agent XXXX advised me that they will not be operating in accordance with the law 15 U.S.C 1681 c-2 that states the information is to be blocked XXXX told me that there will need to be an INITIAL INVESTIGATION now that I have identified these transactions that are a result of identity theft and that it will be 30 days before the actual data furnisher will need to respond. This is not fair nor equitable it is downright disrespectful and a violation of my rights.

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 2023-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I went to a local location of XXXX XXXX to get an estimate about a dental procedure that would cost several thousand dollars. They offered me the financing option to open a XXXX XXXX credit account. I did not want to select the financing option, but before I knew it, I received a letter informing me that an account with a credit limit of XXXX  had been opened with XXXX XXXX in my name. 

When I called XXXX XXXX and visited the location in person, their office XXXX, XXXX, said their computers were down. I checked back two or three times over the course of two weeks, and their systems had still yet to be repaired. 

I also called XXXX XXXX, and they said that they need to investigate. However, if I did not make the minimum payment, then I would be subject to late fees and interest payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been paying off my statement balances in full. On XX/XX/XXXX, I had a statement balance of {$190.00}. I had some reward points for {$13.00} and made a payment of {$180.00}. I miscalculated and was short {$3.00} for paying the balance off. I didn't think it was a big deal, since my statement literally reads ... '' we will charge you interest on the unpaid balance ''. I thought no big deal, how much interest is there going to be for {$3.00}. 

The next month Payment due on XX/XX/XXXX I got my statement and I was charged {$6.00} interest. When I looked at the bottom of my statement as to how that was calculated, they charging me interest not on the unpaid balance but on {$330.00}. This is not correct. The unpaid balance from the previous month is {$3.00}. I called to complain, and the customer service rep and their manager started making things up that do not fit what is written on my statement, as to how the interest is calculated. I paid my XXXX statement in FULL, including the incorrect interest amount. The next statement that I received for XXXX was even worse. This one has an interest amount of {$12.00}. This was calculated on an amount of {$640.00}. I called again to complain, and the rep and their manager were trying to tell me interest is calculated on how much I charge on the account. THIS IS INCORRECT. I paid all of my balance is full each month ... with the exception of the month of XXXX I was short {$3.00}. They have literally charged me almost {$20.00} in interest for being short {$3.00}. There is something wrong with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am a past account holder. My brother was one till he died in XXXX. I contacted USAA less than a month after his death. They did not give an option for his account to stay open for estate purposes. It was immediately suspended. They forced me to reactivate my past account in order to speak with them. They then reported my contact information to 3rd parties and I started receiving harassing phone calls from XXXX XXXX for credit collection within a week. Within 2 weeks I received a condolence letter from their VP of credit cards addressed directly to me and including my brother 's final credit card bill. On phone call I was informed that I would receive no information on accounts unless I was appointed executor/representative of the estate by a judge. Before i went to court i received a phone call from USAA beteavement department that i was running out of time. I was informed of a 90 day limit once they receive notice of death. If they dont receive documents then bank policy is to cut a check pay to order of deceased estate to their last known address. I did this through probate court. I sent this paperwork to the bank and spoke to bereavement reps in 3 different departments who all verified that I am rep for estate and they all give me personal account info and let me make decisions regarding insurance policies so that I could pay them. When it came time to cut a check for balances in 3 accounts they said no. They said because the account numbers with exact balances were not on the probate document so they are not required to give me the . I was not my brother 's spouse and did not have access to that information. They then stated that since my sister and I are both on the probate document then they do not have to pay it to me anyways. My sister is listed as the primary creditor on the probate document with me appointed as representative. This was done by us since she paid for funeral and bills after his death but I live closer than an 18 hour drive to our brothers home. Now, it has been over 2 months since last speaking to the bank and they have not cut a check for his balances paid to the order of his estate either. I know because I am still receiving his bank statements. They also never answered my question about who gets to keep my brothers money if a check isnt cashed. Are they stealing money from the families of veterans who get an account at their bank since they are supported and endorsed bt the US government as safe and frindly to veterans and their needs?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XX/XX/XXXX a tenant made a deposit into my Wells Fargo bank account by 2 money orders. one was for {$1000.00} the other was for {$320.00}. It was made in person at XXXX XXXX XXXX XXXX XXXX FL at XXXX PM. When I saw the deposit Wells Fargo had only credited my account the amount of {$520.00}. That also is the amount shown on the deposit slip given to the tenant too ( {$520.00} even though it was clear from the copies of the money orders that they totaled {$1300.00} ). I asked the tenant to go back to the branch and get it corrected. The tenant got back to me and told me that Wells Fargo told her it was up to me to contact Wells Fargo and make a claim and gave her a phone number for me to call. THIS IS UNACCEPTABLE! I called that number and I was informed that it could take 1-7 business days for the funds to be returned into my account. THIS SOUNDS LIKE A NEW WELLS FARGO SCHEME TO FLOAT ON CLIENTS MONEY>>>PLEASE INVESTIGATE. Waiting up to 7 days was TOTALLY UNACCEPTABLE. I called the branch where it was deposited and asked them to look at the error and was told they could not see it or fix THEIR MISTAKE that I had to call another number. All in all I had to call Wells Fargo 5 times and speak with at least 5 different people AND spend over an hour of my time to get the matter resolved. I requested compensation of {$50.00} which I was denied since this is the amount the tenant now owed since it was late because of WELLS FARGO NEGLIGENCE. They made a " Provisional '' Deposit of {$800.00} on XX/XX/XXXX. There is NO REASON under the sun why I should have had to waste over 1 hour of my time to correct Wells Fargo mistake and dealing with their telephone XXXX to finally get to a person who was able to correct a very OBVIOUS mistake or INTENTIONAL NEW SCHEME BY WELLS FARGO to XXXX people out of their money, float on their money, etc. if the customer doesn't pay attention to their deposits. PLEASE INVESTIGATE. My time is not free! I was being very reasonable in requesting {$50.00} credit as that is what the tenant 's rental contract states since I didn't receive full funds until the XXXX of XXXX plus a lot of hassle.

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 2023-05-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: AL

Complaint narrative:
XXXX XXXX and their debt collector TrueAccord Corp. is reporting inaccurately to credit reporting bureaus. 

In CFPB Complaint number XXXX XXXX XXXX agreed I was not responsible for a reported debt and agreed to remove their reporting from my credit report. They have not removed it and denied removal through credit report dispute process. 

XXXX XXXX  response to previous CFPB complaint acknowledged the item is not mine, " XXXX  records indicate that after additional review of your case, the Account Safety team found you not responsible for repayment and sent you an email informing of this resolution on XX/XX/2022. The loan was labeled as unauthorized and will be removed from your credit report within XXXX  next credit furnishing cycle, which may take between 30-60 days. '' XXXX has not honored their commitment to remove this unauthorized item from my credit report. It is causing significant damage to my credit history as it shows zero payment history and is reported seriously delinquent. This has caused significant financial hardship and threatens my DOD security clearance and employment. 

I have provided XXXX XXXX a reasonable amount of time for this item to be removed. I have disputed the debt through XXXX providing XXXX 's own response from the previous complaint. XXXX is still refusing to remove this unauthorized item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN AND XXXX They are playing games to keep making money by providing NEGATIVE information that's out dated about my credit habits. I requested that they remove said negative accounts that have been paid off for years. Anything short of deleting negatives files is FRAUD in my book.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello I have tried to have trans union remove fraudulent inquiries which they only send a notification to the companies and not removing the inaccurate inquiries. I have sent a FTC report I was told they have not received. Please have Trans union remove these fraudulent inquires. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 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:
XXXX XXXX XXXXAccount number XXXX. XX/XX/2022. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.

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 2023-05-08 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: IN

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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.

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