vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I was charged for a late fee. I contacted Nordstrom card services and spoke with following my hospital stay as I was diagnosed with a XXXX XXXX diagnosis. I explained the situation as to why I was late on my FIRST PAYMENT EVER and was told that I wouldn't be reported late. I was assured the issue would be taken care of so i didn't follow up with a credit report until now. I followed that call with a payment once i was out of the hospital Upon checking my credit report I indeed was reported as late. I called and spoke with the credit reporting team at Nordstrom and they would not help, nor look into the concern or issue. I am trying to purchase a home and this is affecting Me because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name XXXXXXXX XXXX Account # XXXX Account Name XXXX, Account # XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Caine & Weiner put a debt collection on my credit report from XXXX XXXX XXXX now I cancel my policy with XXXX XXXX XXXX and went to XXXX XXXX. Now. You pay from the month ahead with auto insurance. So I cancel my policy with XXXX so I do not own them anything! Again you pay for auto insurance for the month ahead!! So I own them nothing. Thank you for any help to resolve this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I just want to make sure that we are on the same page about these charges on this account in XXXX I had a balance forward of XXXX I have one all but two dispuite on this card with the card being closed since XX/XX/2023 so I have not been able to use it. I reopened and dispuited charges on XX/XX/2023 and want to make sure that Goldman Sachs recived the dispute..my calculation is that I should have a credit balance of {$1000.00} after the last two dispuites have been resolved. I want to make sure I get my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: MI

Complaint narrative:
I have an account on my Experian credit report that is showing " closed ''. The account is open and active. I have filed multiple disputes, talked to Experian workers on the phone, and sent them a letter from the creditor twice that states that the account is open, but they refuse to change the status.

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 2023-07-24 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-07-24 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: TN

Complaint narrative:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-24 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: TN

Complaint narrative:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The month of XX/XX/2022 I had 2 Unauthorized ACH withdrawals from my checking account. I called my bank both times and got it resolved right away. However, The second time I told my bank ( CAPITAL ONE ) to close my account because I felt it was compromised. They agreed and restricted the account. 

I RESTRICTED the account on XX/XX/XXXX and got a new debit card and 2 new checking accounts. I activated my debit card at the time on XX/XX/2022 and linked it to one of my New checking account on XX/XX/2022 and Switched it over to my other NEW Checking account XX/XX/2022. On XX/XX/2022 I was charged from XXXX {$290.00} Via debit card Purchase in the RESTRICTED account and the transaction NEVER went Pending it Posted Immediately. Then On XX/XX/2022 I was charged {$290.00} again in my new checking account. XXXX says it was for my final transaction with them on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: ID

Complaint narrative:
I received a phone call stating that I was to be served for a court appearance and when I asked what it was they refused to tell me and said the only thing they could do is give me a phone number. I asked if it was criminal or civil and they refused to tell me. Upon calling ( XXXX ) XXXX I was never given a company name or anything. I verified myself and they told me they were suing me for a debt that they claim was from XXXX  but the account was from XXXX. Its past the 8 year statute in MT and I live in Idaho where the statute is 5 years. They are also claiming the original debt was {$1800.00} is now over {$7000.00}. I asked for the court information and their information and they refused to provide. Havent received any notices from anyone in regards to said debt. Feel very threatened, deceived and intimidated that this company has all my information and the only thing I have is a phone number. Please help

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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NJ

Complaint narrative:
Remove the following accounts : XXXX XXXX XXXX This accounts are in violation. 

15 U.S.C. 1681b permisible purpose of consumer reports. 

Credit reporting agency does not meet any circumstances.

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 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XX/XX/2023 sold {$15000.00} amount due {$7000.00} called over ten times no response agents gives the run around every time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-07-24 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: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a TPD application to the department of education ( XXXX ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the XXXX Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. 

After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. 

I contacted XXXX and explained my argument that a XXXX loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of XXXX and the department of education, which support my argument. 

I would like to see these accounts deleted from my credit report as soon as possible, as a XXXX loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. 

Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. 

All the best, 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 explanation
Consumer complaint received 2023-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-24 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: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

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 2023-07-24 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My Banking institution's is sharing my personal information with third party affiliates with no consent to do so. Under the Privacy Act this is a direct violation. Under 15 U.S.C  6801-6805 protects me as a consumer and allows me an opt out option and non disclosure options that was not provided. I never was sent anything in regard to an opt out prior to the bank sharing my personal information.  The bank was in direct violation of the FCRA  and Privacy Act. They gave information to XXXX XXXX XXXX without my consent. In the banking terms and conditions, it states no information shall be given to third party's or Affiliates and non affiliates. The report from XXXX XXXX XXXX  that is attached is evidence of the Bank sharing information. 


Wells Fargo Privacy statment. 

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
 Our affiliates include financial companies with Wells Fargo in their name such as 
Wells Fargo Bank, N.A., and Wells Fargo Clearing Services, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 Wells Fargo does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market 
financial products or services to you.
 Wells Fargo does not jointly market.

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 2023-07-24 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: Chime Financial Inc
State: AL

Complaint narrative:
I have a police report with the responding officers badge number and he said he would appear on my behalf if the matter went to court. I also have submitted the cancelation paper from the hotel. Chime refuses to refund me my money even though I did not stay at the hotel. I feel like Im being picked on because Im a young XXXX American and a minority in America. I have the same rights as any race or human being in America. I have been under tremendous amounts of stress cause they have robbed me of constitutional rights and mental safety concerning these business and took money I worked hard for. I have a child I have to support and this has a caused a domino affect in my life. These companies should not be able to just take any law abiding citizens money. I will take this to whoever I must to be heard. XXXX lives matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. An unknown entity keeps opening up bank accounts with my name, address, birth date and social security number. Funds are being taken or removed from my checking account with citizens bank and deposited in a bank I have no business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Over the course of my banking relationship with US Bank, I have encountered multiple instances of unauthorized overdraft fees being charged to my account, despite having sufficient funds available. These occurrences have raised serious concerns about the integrity of the fee assessment process and have led to a significant financial burden on my part. 

I have diligently engaged in dialogue with your esteemed institution, earnestly requesting the reversal of these erroneous charges and the restoration of the funds to my account. Regrettably, despite my numerous efforts and documentation providing evidence of available funds at the time of these charges, the fees have not been appropriately addressed or returned to my account. 

One specific incident that stands out involves a transfer of funds from one account to another within US Bank, a transaction that should not have resulted in any overdraft fees. Despite having documentation confirming the presence of sufficient funds in my account, an overdraft fee was inexplicably levied. 

As a loyal customer of US Bank, I am disheartened by the lack of resolution in this matter and the undue hardship these unwarranted fees have caused. I believe in the integrity and professionalism of US Bank and expect that my concerns will be met with the highest level of attention and urgency.

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 2023-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: DE

Complaint narrative:
My husband died XXXX. He had a XXXX XXXX XXXX XXXX for aboutXXXX XXXX and a XXXX XXXX XXXX for about XXXX . The XXXX XXXX XXXX was sent to ascension debt collectors. I paid 2 XXXXXXXX XXXX payment to ascension because they made me feel guilty but Ive found out the debt died with my husband. Ascewants to talk to my lawyer but I dont have one. Thats about it so far. They are very rude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal deceived consumer by packaging virtual antivirus software along with the purchase of a laptop that at the time was supposed to be {$100.00} less

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation