vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 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: PA

Complaint narrative:
I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan

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 2022-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I pulled my XXXX credit report and found the company Phoenix Financial Services had reported an unauthorized collection to me credit file. 

First I do not know who these people are. Second the information that they listed in their letter I do not recognize. Third, they placed this collection on my credit file on XX/XX/XXXX then followed up with a letter dated XX/XX/XXXX. This is in complete violation of the FDCPA Regulation F. 

This law went into effect XX/XX/XXXX. The letter that I received in the mail has nothing to do with me, the company in itself has knowingly and willfully violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
companies involved : XXXX XXXX XXXX XXXX ( Wells Fargo ) It appears that I am a victim of ID fraud. 
I am getting bills or emails from the companies above because the companies have approved credit cards for a criminal whose ID in unknown. Obviously the companies know my name and home address and casually give out credit cards to the crooks, and then force me to make calls and wait in line for hours to talk to the fraud Dept. After talking to the fraud dept. nothing is ever done to correct the problem. XXXX for instance said to fix the problem, they are issuing me a new credit card with a new number. This after I have informed them that I have no account with them. ( outrageous ). I suppose my credit score is suffering because of this fraud and there is nothing I can do to stop the fraud.

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 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Fraudulent activity began on my TD accounts on XX/XX/2022. 
{$4000.00} was transferred from a trust account to a personal checking account to which my debit card was linked. Numerous transactions were then withdrawn from my debit card. TD bank issued provisional credit for the majority of transactions, however, TD bank REVERSED their decision claiming that no fraud had taken place and debited my account {$780.00}, {$270.00} and {$170.00} on XX/XX/2022. The aforementioned charges stemmed from a fraudulent XXXX account which I DID NOT open. Numerous visits to my local TD branch XXXX XXXX XXXX XXXX and numerous phone calls to TD Fraud Dept. have yielded NO satisfaction in the returning of my funds. I have been told by both the TD Fraud Dept AND the representatives at my local branch that there is " nothing they can do '' and that I should " take it up with XXXX. '' This is unacceptable. 
I want the missing funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Offered an extension of my credit via a credit application on a consumer finance transaction for a vehicle at a delaership. Ive received a letter of adverse action reguarding the reason why stating to be credit score and deliquent accounts. This adverse action is unlawful if not confirmed to be % 100 accurate as the lender has not done its due diligence on the reports as far as Confirmed validation of status- Confirmed validation of transunion, equifax XXXX and experion being a gov. Agency which it is not- Confirmed validation with all records paperwork data and information reguarding these fraudulently reported accounts. 

For this adverse action not only am i unfairly unable to dispute on the spot as requested with the dealer being the intermediary party i also am never allowed to speak to the actual official agents who claim to have denied my application. As the consumer, not being able to speak to the direct person involved is extremely frustrating and most unfair as there can be violations done without chance for an oral on the spot rebuttal. And the reference numbers for the adverse action are NEVER properly documented. Everytime i call, they claim to have no information attached to my information to find the reference number for the adverse action letter, and how is it possible to pull a credit report on me then later claim to not have the reference number attached to my information. This is not a clear and honest system for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.

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 2022-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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:
I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan

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 2022-12-27 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: PA

Complaint narrative:
I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these 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 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Friday XX/XX/XXXX, Capital One proceeded to block my accounts and locked me out of my accounts after my call with their representative dropped. I was no longer able to access my online bank or credit card account. Furthermore, I recieved multiple emails from Capital one stating I had a past due payment on my credit card account. I recieved an email notice from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I recieved an email notice about my past due payments, I tried to access my account in order to make a payment which I was not able to due to my accounts being locked. I made several attempts to reach Capital One and was unable to. I was sent to a voicemail asking me to leave a message and someone would get back to me IF they felt it was necessary. So, I couldnt even call them to fix the problem since they wouldnt take my calls. I made attempts to reach capital one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left voicemails as well regarding my access to my accounts. I did not hear back from Capital One until XX/XX/XXXX at XXXX. They were able to give me access to my account and I noticed I was charged past due late fees. I asked if they could reverse the late fees since I was locked out of my accounts during the time my payments were due. They denied to reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX and account # 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 166B : 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 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 2022-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a CD that matured and it was rolled into a savings account. The account was marked as " inactive '' and my funds frozen. I mailed Citibank the required information to unfreeze my funds and contacted them on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I was told that it would take 2 business days to get a response from the " back office '' and they would call me back. I have never been called back. The funds are not in dispute nor that they are mine. I need to receive the funds and close the account.

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 2022-12-27 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these 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 non-monetary relief
Consumer complaint received 2022-12-27 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I GOT AN ALERT FROM XXXX XXXX XXXX OF A NEW CREDIT CARD OPEN ON XX/XX/2023 IN MY NAME, FROM ( COMENITY CAPITAL BANK, XXXX, OH XXXX XXXX XXXX XXXX. I tried contacting this bank on two occasions and was put on hole twice for over an hour. I have file a fraud case with XXXX. I have not applied for any credit with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I have received multiple before XXXX from Radius Global Solutions.. Just Two examples are on XX/XX/22 at XXXX XXXX  and on XX/XX/22 at XXXX XXXX. There have been at least XXXX  dozen calls made to me prior to XXXX XXXX. Though I have a phone number with a XXXX  area code, I have lived in XXXX  for over Three years. The calls are always from an autodialer with nobody on the other end of the line. The One time I spoke with a representative, she hung up on me when I mentioned she was calling me prior to XXXX XXXX. Yet, the calls continue.

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 2022-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
15 u.s code 1635 Told I have to put down money I didnt have

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 2022-12-27 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, XXXX XXXX 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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: MI

Complaint narrative:
I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. XXXX XXXX XXXX ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Money was deposited in my account in XXXX. They have a hold on my money for over 180 days. I need the funds released to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-27 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: Self Financial Inc.
State: NJ

Complaint narrative:
To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT #XX/XX/XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX  ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I have not surrendered my consumer or privacy rights by giving SELF FINANCIAL permission to communicate and disclose MY NON PUBLIC PERSONAL INFORMATION WITH NONAFFILIATED THIR PARTIES Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged. Please do not provide me with statements, payment history, or any other specific details pertaining to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've asked the credit bureaus to remove these names from my credit bureaus. These are not my names. Please remove these name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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