vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I have tried to resolve this with the credit bureaus ( reached out XXXX times total ) and with Toyota Financial directly ( reached out XXXX times total ). 
I have written, called, and emailed. 

For over XXXX years, an auto loan has been incorrectly reporting. The account was opened in XXXX and was closed in XXXX of XXXX. 

They have reported incorrect dates, incorrect dollar amounts and incorrect dates. Please feel free to reference just how often the information they report ( to all credit bureaus ) has vastly changed. 
When I pointed out the account was too old to be on my account, they CHANGED the date of last payment so that they could continue reporting and continue trying to get their money. 
I dont know what to do anymore. I have done everything right - I have completely fixed my credit. 
When I finally got them removed from my credit reports ( Toyota Financial ) they REAPPEARED as a new entity ( Toyota Motor ). 
What they are doing is wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: OH

Complaint narrative:
in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX BANK has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE

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 2023-03-10 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX - XXXX XXXX XXXX  # XXXX XXXXXXXX - XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to file a complaint against TD Bank for their failure and denial to respond to my request for a correction on my credit report, regarding the way they have been reporting my business credit card information on my personal credit report. Despite repeated requests to stop this practice, I have noticed that you continue to report my business information on my personal credit report. This is causing serious damage to my personal credit rating and making it difficult for me to obtain credit or financing. Despite numerous attempts to resolve this issue with TD Bank, I have received no satisfactory response. 

XXXX XXXX XXXX  XXXX I have made multiple attempts to resolve this matter with TD, including emails, phone, and in person. However, I have received no resolution or acknowledgment of my concerns, all I have gotten is that they won't stop. 

I believe that TD Bank 's actions are in violation of several laws and regulations and are causing me significant financial harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I woke up to a text saying my account was negative XXXX dollars, my brother than sent XXXX dollars and my account said negative XXXX dollars. I was supposed to get paid today, but instead they released my check on XX/XX/2023 with a total of {$420.00} dollars. They took my money out, and I had a balance of {$340.00} dollars last night. It is very unprofessional and inconvenient for me to lose this money. I am a college student who is already struggling. I have bills to pay that are due today that I can not all because of a mistake they made. After calling they said they can not guarantee a date of when my money will be returned. It has left me in emotional distress from me crying all morning and evening because I have no money and no one to depend on with helping me get money to last me until Monday. I would like to file a lawsuit against Wells Fargo. This is completely absurd and just have had enough.

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We purchase a mattress on XXXX last year, we cancel the order and recived a confirmation of cancelation from the company, we asked to refund our credit card and the credit car it is refusing to gives our money back. We dont understand why we need to pay something that we do not have. It does not make senses. 
the credit card company is Synchrony

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 2023-03-10 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, my husband deposited 2 large checks that were a result of a lawsuit to our joint bank account. PRIOR TO DEPOSITING these 2 checks, we contacted Chase via phone to inquire whether these two checks -- that had multiple payees -- could be deposited into our account without ANY ISSUES. 

We were informed on THREE separate occasions that it WOULD NOT be an issue. The checks could be deposited and would be placed on hold until all funds were released. My husband even took a copy of the check to the bank/branch and spoke with XXXX XXXX XXXX who assured him that as long as we were the last persons to sign the check that it would not be an issue. 

Unfortunately, the information provided by THREE different people who work at Chase was INCORRECT. 

CHASE has NOW PLACED A HOLD on our account which include not only the amount of the checks but the money that we already had in our account. 

WE ARE UNABLE TO ACCESS ANY OF OUR FUNDS! 

In addition, Chase has also ROPED IN my children 's accounts THAT HAVE NOTHING TO DO WITH THIS SITUATION and have placed a hold on their accounts as well, simply because they're linked to an account that I hold THAT HAS NOTHING TO DO WITH THE ACCOUNT the checks were deposited into. 

Chase NEVER reached out to us to inform us that there was an issue with our account. We found out because we were unable to process a XXXX payment and could not pay our bills. 

We contacted Chase via phone only to be patched to the Fraud Department where we were informed by XXXX XXXX that if we failed to provide the requested information that they would close our account in 10 days. So instead of trying to fix the problem, SHE THREATENED to close our account all the while holding OUR MONEY HOSTAGE. 

We immediately went back to the branch and spoke with XXXX XXXX XXXX who attempted to get additional information but was basically given the same info we were given. He could not help us nor could he provide us access to our money. He informed us that he could escalate the issue -- and that's basically it. 

WE HAVE BEEN LEFT WITH NO MONEY and OUR KIDS MONIES HAVE BEEN RESTRICTED AS WELL. 

Chase FAILED to provide us with ACCURATE information robbing us of making an informed decision -- because had we known that our account would be restricted we would NOT have deposited the checks. 

The checks are from a legitimate lawsuit and the payees are family members who were all part of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
My wife and I are in the last stages of refinancing our home in North Carolina. We are working with United Trust Bank for the refinancing. Back in XXXX of XXXX  we did a loan modification through U.S. Bank, due to XXXX  XXXX and being out of work. Everything was going well with the loan modification until we got to the title. Our loan payoff amount is {$120000.00} and the modification or partial pay is {$41000.00}. The payoff we received from U.S. Bank matched those numbers exactly. When the title company did a search on the title, they found that the VA was also on the title as a possible lien holder, and it looked like a double payment of {$41000.00} plus the {$120000.00} was due. We contacted the VA and were told that they never approved this action. They also commented that U.S. Bank had sent them the paperwork twice, but it was sent back because it was incomplete and never received anything more from U.S. Bank. U. S. Bank anticipated approval from the VA and went ahead with the title recording. We have contacted the bank numerous times with no luck in getting this removed.

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 2023-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I've written Equifax on two occassions in regards to two accounts appearing on my credit report as a result of ID Theft. I requested Equifax to block these account in accordance with Section 605B of the FCRA as these accounts which does not relate to any transactions that I have made. These accounts Include XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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:
its been more than 4 months that I sent all documents to credit bureau to delete those wrong information, I sent a copy of ftc report, also they asked me copy of my driver license, social security and a bill, everything was sent. the only company that did not correct the fraudulent information was Equifax. 

delete hard iquiries alredy sent ftc and CFPB report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a US Bank credit card flyer to apply for a credit card inthe month of XX/XX/2023, I applied for that and it was rejected, it was a credit card offer for zero percent interest for 15 months. Ihave attached the rejection letter in this complaint. now I havereceived another US Bank credit card flyer to apply for a creditcard which is giving the {$500.00} cashback if we spend {$4500.00} in150 days. I also made a complaint regarding this to the CFPB, Ihave n't received a response yet. I need to know if I will beapproved for the credit card this time, because I don't want mycredit scroee to go low why did you send me a flyer of credit card when your intention was not to approve it, you are just taking my information and selling it to your affiliates. And why after rejecting my first credit card you sent to me a second flyer to apply? 

US Bank is very lousy, I already spoke with XXXX regarding this two days ago and still no action has been taken, I am really dissapointed with US Bank services.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Lexisnexis reports to Rental agency I have a eviction and judgment on my record from XXXX that kept me from getting and apartment. I have sent them documentation twice that I wasn't evicted and the judgement was vacated by the judge as the landlord owed me money. Lexisnexus provided a report they clearly didn't read through and it hurt me finacial and emotionally in the long run. They are know to have inaccurate information and nothing is being done to monitor to make sure they are doing their due diligence. I need this matter cleared to be able to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I was issued a Comprehensive File Disclosure from Early Warning Services on XX/XX/XXXX ( see attached ). Upon reviewing the file, I realized it was empty and called EWS to find out why. On XX/XX/XXXX at around XXXX XXXX  I called EWS and spoke to employee XXXX who told me that EWS does not put any information in the Comprehensive File Disclosure for the consumer because they are not authorized to. XXXX also advised me to go back to the institution that denied me and ask them to provide a reason for the denial, but the institution already told me they could not give me that information in our initial meeting and directed me to Early Warning Systems. As the consumer, I have certain constitutionally protected rights. Among them, 15 U.S.C 1681 section 602 A, states that I have the right to privacy. Also, 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have not given EWS written instructions to provide any information, and as such, they are violating my rights. I had a previous correspondence with EWS in XX/XX/XXXX and they told me I had no file with them. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: FL

Complaint narrative:
In XXXX of 2023, I missed one payment to XXXX XXXX. Last month as shown by the dashboard screenshot attached, they closed my account. XXXX XXXX as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both Transunion and XXXX both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.

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 2023-03-10 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: FL

Complaint narrative:
In XXXX of 2023, I missed one payment to XXXX XXXX. Last month as shown by the dashboard screenshot attached, they closed my account. XXXX XXXX as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both XXXX and Equifax both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
XX/XX/2023 XXXX XXXX XXXX USCB AMERICA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Re : XXXX FACULTY PRACTICE GROUP REF # XXXX USCB AMERICA I am responding to your notice about collecting a debt. You contacted me by XXXX MAIL and did not address a date you endorsed the notice. You did however demand a response by XX/XX/2023 and XX/XX/2023. Please be advised I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make all other communication with me with via email listed above. 

I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Debit card was used on XX/XX/2023 around XXXX XXXX ( PT? unsure of time zone ) to make a {$25.00} purchase at XXXX and a {$95.00} purchase at XXXX. I received a push notification of the XXXX purchase and immediately locked my card and requested a new card. 

I disputed the charges as soon as the purchases posted. Capital One investigated and stated that both charges were chip to chip transactions. They used this finding and the fact that I still had the card in my possession as justification to deny my dispute. 

I would like further investigation into this as I did not make these transactions.

Company response to consumer: Closed with non-monetary relief