vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
on/ or about XX/XX/XXXX, a person appeared at my door as a process server and handed me the following paperwork " ORDER FOR INTERROGATORIES '' OR " STANDING ORDER FOR INTERROGATORIES. Alpine Credit INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Co XXXX Prior to this date on or around XX/XX/XXXX - Alpine Credit did engage in a similar tactic that a court document was delivered to my home via US mail and/or in person similar to the above description. 

However no court date was present. I believe this is a scare tactic by Alpine Credit to collect on old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Account ending in XXXX was opened by Wells Fargo reps, closed out with an overdrawn balance in amount of {$190.00}. Balance includes two external funds transfers into account in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}, bringing the overdrawn balance to $ XXXX. As stated before, the account was opened by Wells Fargo reps, presumably to used for bill pay. When this account was reported to Wells Fargo as fraudulent, two mediation request forms were sent to me, both filled out, given a tracking number of XXXX Most recently, I've been calling Wells Fargo Mediation at XXXX attempting to speak with someone regarding case, was initially told someone would reach out by calling me, no call received.. Additional calls were made, subsequent reps advised they are to hang up call ... Needless to say, this is yet another one of Wells Fargo many runarounds, more of which I will detail herein... With regard to account opened as far back as XXXX, I was offered a settlement amount of {$3700.00} plus IRS taxes totaling XXXX Wells Fargo sent payment in error to my old address after I moved, address never verified, which they refuse to admit to.. Additionally, the amount was reported to IRS for tax year XXXX, in which case, Wells Fargo rep referred matter to a tax professional whom in trun advised 1099 form needs to be corrected to show no such amount received or payment reissued... This is around by Wells Fargo, as CFPB can see... When I brought this information from tax professional to Wells Fargo, their rep, XXXX, chose to refer to prior CFPB replies which does not address issue...

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 2022-11-04 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is my second complaint. TD Bank sent a letter after my initial complaint saying they would correct the error. That has not happened. In fact their team says the current information on my credit report is accurate. Below is my initial complaint. 

In XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. Nordictrack failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with Nordictrack. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a copy of my Transunion credit report and am disputing some inquiries that need to be deleted. I have listed the account, the opening date, and account number in the attached document.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
On XX/XX/2021 without my authorization and permissible purpose, my consumer report was accessed for promotional purposes without my knowledge by CB INDIGO located at XXXX XXXX XXXX XXXX, OR XXXX. Pursuant to 15 USC 1681 ( b ) they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: AZ

Complaint narrative:
Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: AZ

Complaint narrative:
Got an alert that XXXX XXXX XXXX opened an account. I did not authorize. My old account should be reporting XXXX. 
Misuse of credit card, continued reporting on XXXX account. Keeps reporting old info for purposes of extortionate means. Credit bureaus are reporting inaccurate information. 
Account XXXX lawfully on XX/XX/XXXX. 
By payment in full. 

Keeps reporting billing errors under 12 CFR 1026.13. Collected payments for 3 years on a account that had a finance charge. I asked company to cease and desist for the first time in XX/XX/XXXX. 
Company is blatantly trying to extort funds by negatively reporting on my report. I have seemed remedy with the company several times. 
Company did not default account per new cfpb investigation and I feel that I am party to that complaint. Company stole vehicle and sold vehicle, after collecting the full finance charge, did not disclose the details of the contract. Failed in fiduciary duty to protect the beneficiary. Used beneficiary signature to receive credit, and then collected federal reserve notes, under a alleged car loan. Can not lend money under 42 USC 408. Is purporting that I owe them on a " loan ''

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 2022-11-04 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: VA

Complaint narrative:
Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( Equifax, XXXX, XXXX ) bothered make sure is reporting 100 % correct. 

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 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: VA

Complaint narrative:
Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( XXXX, XXXX, Experian ) bothered make sure is reporting 100 % correct. 

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 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.

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 2022-11-04 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: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2022-11-04 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: IL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-04 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: IL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a copy of my Equifax consumer credit report and am disputing some hard inquiries that need to be deleted. I have listed the account, the opening date, and account number when possible on the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I sent a payment through online banking at XXXX  XXXX XXXX XXXX Ally Financial XXXX XXXX for an auto loan for {$470.00} that settled on my bank account on XX/XX/XXXX. We received an email that we hadn't made the payment. When I looked online at XXXX I realized I made the payment on a loan that we had already paid off. I immediately called Ally on XX/XX/XXXX. They gave me a case number and told me to check back in XXXX to 3 days and payment should be processed. Still nothing. On XX/XX/XXXX I called again and they told me to fax in proof of payment and a letter explaining what happened. I did that on XX/XX/XXXX. On XXXX I started an online chat to see if they received my fax and status. After almost an hour of going back and forth with the agent he told me that the payment was posted to the account. I explained it wasn't showing online and still receiving emails and text past due. He then tells me it was applied to the old account and any overpayment will be returned. As it continues he just tells me the overpayment will be returned. I ask him for proof and details. He finally stopped answering on the chat. On XXXX I started an email after the chat got no where. I attached the fax and the chat. The person in email told me I needed to call XXXX the refund was made to them and gave me the wrong phone number the first time. I kept asking who XXXX was because I've never dealt with them. He told me that is who processed my payment.This email train goes back and forth for 3 days. No matter what I ask I'm told to contact XXXX I have also been verifying with XXXX that there is no return. I finally got through to XXXX on XXXX around XXXX after an hour on hold and she explained to me they process the payments for Ally that are done on the phone and online in their portal. They do not process the payments that I generate from bill pay at my bank. She did put me on hold and told me she was contacting escalations to see if they could find the payment. She came back and told me no and that they wouldn't have the payment because I processed the payment online at XXXX and I needed to talk to Ally. She put me through to them. I repeatedly asked for a supervisor and was told she would have to fill out paperwork and it would be XXXX to XXXX business days. I have also sent another email asking for a supervisor to contact me.

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 2022-11-04 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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