vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 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: IL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV IS REPORTING A DEBT ON MY CREDIT FILE THAT I DONT RECOGNIZE AS MINE FOR {$550.00} DOLLARS FROM XXXX XXXXXXXX, AND REPORTING IT AS A NEW ACCOUNT ON MY FILE. I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCPA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARENOT REAGING SOMETHING ELSE. I AM ON XXXX AND MY INCOME IS FEDERALLY PROTECTED, SO I KNOW THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I have been attempting to close my SoFi invest account and SoFi cXXXX XXXX account, and terminate my banking relationship with SoFi entirely. I have already withdrawn all my money from the account. On or about XX/XX/XXXX, I first requested to close my account, at which point SoFi said my account is " under investigation '' and " may be closed after the investigation completes ''. 

Due to implementation issues in SoFi 's system, the account has approximately {$0.00} balance, which might be a reason why it can not be closed in a normal way. 

After dragging on for a year, on XX/XX/XXXX, I once again reach out to SoFi and requested to close my account, and expressed my consent for giving up the balance, in exchange for terminating my banking relationship with them entirely ( I do not want any relationship with this company ). The agent still refer to " the investigation '' and refuse to close my account, and does not provide me with any timeline regarding when the account can be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TX

Complaint narrative:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER!

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 2022-03-07 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: TX

Complaint narrative:
I MAILED IN MY FTC ALONG WITH CHALLENGE LETTER!

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 2022-03-07 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: NC

Complaint narrative:
I HAVE SENT XXXX, TRANSUNION, XXXX & XXXX SEVERAL WRITTEN NOTICE OF DEMANDS WHICH WERE ALL IGNORED. I DID NOT GIVE XXXX WRITTEN CONSENT TO USE OR FURNISH MY INFORMATION TO ANY THIRD PARTIES, AGENCY OR COMPANY. PLEASE SEE ALL DOCUMENTS ATTACHED.

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 2022-03-07 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: FL

Complaint narrative:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Someone opened up another checking account in my name where I bank at Bank of America. So I called my bank fraud department and they supposedly got it straightened out. But they told me to also report to the credit bureau.

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 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
This company has no reason for trying to collect on a account that the company has collected as a tax right of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 A collection account was deleted from my credit report ( Experian, XXXX, and XXXX ) which is typically a good thingand as a result, My scores for XXXX and XXXX increased on XX/XX/XXXX XXXX my Experian score went down XXXX points!!! I contacted Experian XX/XX/2022 to gain clarity and rectify the error on their behalf ( considering that usually consumer credit scores increase when collections are deleted ) but several representatives that I spoke to said that they do not know why my score decreased XXXX points and admitted that it was a bit odd considering my score increased for XXXX and XXXX, then I was told by several representatives that they didnt have anyway to handle a dispute of such matter in that particular department which was the dispute department so they referred me to their membership department and each time I was transferred to that department, the representative from the membership department put me on a brief hold and then proceeded to disconnect the call. I simply want them to refurbish my credit score back to where it needs to be but at this point I feel no one their actually cares to do so. This is my complaint, what should I do

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 2022-03-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX I opened a Certificate of Deposit with Brio Direct ( powered by Sterling National Bank ) online. Luckily I printed off documentation from that transaction ( see pages 1-5 ) because I never received ANY OTHER correspondence via mail from this company again until XXXX ( see attached pages 6-7 ) which is a notification that this bank has changed hands. I did not sign up for an online account therefore I did NOT choose to go " paperless ''. 

Per XXXX, a month prior to my CD maturing, I should have received a notice - apparently giving me 7 days to withdraw my funds without a penalty- I did not. Nor did I receive a 1099-INT statement from this company in XXXX- as she stated that it was sent XX/XX/XXXX. 

The representative, XXXX, whom I spoke to @ XXXX and who also called me back from XXXX was unwilling to assist me in getting the {$22.00} fee ( as of today ) waived. Her claims are that if they have not received mail returned from my address that I must have received these documents. I've requested that dated copies of both the maturity letter and the 1099-INT be emailed to me at XXXX and nothing has been received. I also requested that this issue be escalated and set a time at XXXX CST on XXXX for a return call from a supervisor above XXXX and no return call was received. 

XXXX was condescending and uncaring, insisting she IS a supervisor, yet unable to do anything to assist me. Even after I told her I would like to escalate this issue, she continued to request that I give her permission to go ahead and close this account - of course minus the {$22.00} penalty fee. I declined her insistence, knowing that if I close this account- it will be a further battle to get this fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, I applied for a credit limit increase for {$12000.00} on WELLS CARGO ACTIVE CASH CARD and was denied an extension of credit by WELLS FARGO.

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 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
ALL THREE CREDIT BUREAUS ] XXXX, TRANSUNION AND XXXX HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not TRANSUNION AND XXXX ] TRANSUNION AND XXXX NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.

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 2022-03-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL THREE CREDIT BUREAUS ] XXXX, XXXX AND EXPERIAN HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not XXXX AND EXPERIAN ] XXXX AND EXPERIAN NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, Chase had closed my account and held my balance in suspension due to a third party check. Chase said they will release my funds and mail it to me after ; I go to a branch with the person who signed over the check. I did what they said and that person provided 2 forms of ID also. The person at Chase said that everything is cleared and I should get a check in 15 days. I went in XX/XX/2022 and it's almost a month later and I still haven't received the balance of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-03-07 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: IL

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tesla, Inc.
State: TX

Complaint narrative:
After Tesla XXXX XXXX passed inspection on XX/XX/2022, I was informed to pay my invoice. The invoice amount ( {$75000.00} ) exceeded the amount in the XXXX Purchase Agreement ( {$73000.00} ) accepted just 2 days prior. I contacted Tesla by email immediately ( XX/XX/2022 ) and receive a response on XX/XX/2022 indicating they would correct the invoice. I continued to receive messages/emails asking I pay the incorrect invoice. Each time I contacted Tesla to check on the status ( via phone - on XX/XX/2022, on XX/XX/2022, on XX/XX/2022, by email again on XX/XX/2022 ) they indicated they would correct the invoice - but no correction has been forthcoming. They have since removed the ability for me to make a payment, and are now threatening me by sending the account to collections, even though the issue is ENTIRELY due to their negligence/ineptitude/error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: NV

Complaint narrative:
Since I opened my account with Bank of the West in XXXX of 2021, they have consistently stolen from me. They fraudulently opened an account in my name that I did not ask for or authorize. I have contacted them at least twice a month since I opened the account, filing several claims against them along the way, and they refuse to address their associate 's fraudulent actions and change my account to the correct one that I had initially chosen. To date, they have stolen {$80.00} from me, and continue to do so on a monthly basis. If they do not refund the money they stole from me and close this fraudulent account today, I will be filing legal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation