vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is reporting to experian as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from experian today XX/XX/XXXX that as of today XXXX is showing an amount of {$150.00} which is incorrect.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened an XXXX XXXX card to finance some furniture for a new house in XXXX of XXXX. On XX/XX/XXXX, I decided to make the monthly payment from a different account than I normally would. Since the bank of the account I was paying from has different routing numbers for different regions, I contacted the bank to get the appropriate routing number as i do not have checks for this account. A few weeks later I received a call from TD Bank ( the owner of the XXXX XXXX credit card ) stating I was late with my payment. In shock, I asked the representative to look into it, knowing I had made the payment. The payment was returned because the routing number turned out to be incorrect based on my region. The representative CONFIRMED that I had attempted the payment and waived the late fee. 

I called TD Bank today because I noticed ANOTHER late fee on my account that posted on last month 's due date, XX/XX/XXXX, for {$40.00}. I called again to question why a late fee was charged ON the actual due date and they informed me that since the payment wasn't posted to the account until XX/XX/XXXX, the late fee was valid and used the fee ( that was not my fault ) that was waived back in XXXX as leverage to tell me the {$40.00} fee for XX/XX/XXXX is valid and since it was less than 12 months ago, they will not be waiving it. I requested to speak to a supervisor in which the response was " Shes not going to be able to do anything either '' but I asked again to please speak to the supervisor. XXXX, the supervisor, came on the line and said that since it was not an error on TD Bank 's part that the fee in XXXX posted and since they do not provide ANY grace period ( something I was not aware of as well ), that the only way I could have the fee waived is by paying the balance in full. ( The balance is XXXX XXXXif I could pay the balance in full, I would not be making payments ). I repeatedly asked to take the XXXX fee waiver into consideration since it was an honest error and not negligence on my part and was told no. I informed the supervisor that I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attention credit bureaus regarding the late payments on my XXXX XXXX account, I have come to an agreement with XXXX XXXX. As you see in my attachment that I have submitted my account is current and in good standing with XXXX. I have extended my monthly payments and I request that you please remove the lates on this 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 explanation
Consumer complaint received 2023-05-03 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX & Account Number XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 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. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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:
Since XXXX until now I have been sending Experian certified letters ( see several attachments ) requesting that they correct inaccurate and incomplete information that they have continued to list in two XXXX XXXX accounts on my Experian credit report. Despite my letters and information from the original creditor that contradicts them, Experian has refused to correct their errors and has only responded with saying the incorrect information has been " verified ''. The incorrect information as of XX/XX/XXXX is : These accounts are reporting me dead despite me providing Experian with Proof of Life ( see attachment ) and multiple telephone conversations where they verified I was alive, 2. These accounts are still reporting Account Balances of {$1100.00} and {$4400.00} even after they have been discharged by XXXX XXXX  with 1099Cs ( see attachment ), neither of these balances should not be on the report, 3. These accounts are missing all the Payment History from XX/XX/XXXX to XX/XX/XXXX as well as showing no positive Payment History before the closure of these accounts ( see attachment ), 4. These accounts are not reporting the Date of Last Activity, the Date of Last Payment, the Date of 1st Delinquency and the Date Closed ( see attachment ), and 5. Without those dates, the Drop Off Date is incorrect.

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 2023-05-03 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/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
Consumer complaint received 2023-05-03 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
ALLY BANK, XXXX XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX HAVE VIOLATED THE UNITEDS STATES CODE. 
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX.ALLY FINANCIAL XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-05-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent in my complaint from the CFPB on XX/XX/2023 they responded with the interim response on XX/XX/XXXX and I have not gotten any information back. It's been more than 30 plus days. I sent out letters to experience for months. No response and send my letter complaint in for the CFPB and yet no response.

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 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR

Complaint narrative:
I consumer XXXX XXXX recently reviewed a copy of my credit report and I understand that ARS is violating my rights as a consumer. I didn't give ARS permission to have my personal information. This is a medical debt I have a right to privacy and that is being violated. ARS knows why and when this transaction could have happened. I am not going to continue to have my rights violated, my character defamed, and/or my privacy not being respected. You can have this debt but you should not have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: FL

Complaint narrative:
Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX I had been in the hospital XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was XXXX XXXX XXXX XXXX Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : 1. XXXXXXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX XXXX I was in XXXX in another country serving for our country during the time periods that this account was opened ) 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 explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
this is not may account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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.

Complaint narrative:
My XXXX XXXX XXXX XXXX was paid off in full in XX/XX/XXXX. 

By XX/XX/XXXX I noticed the account still showed as active in my credit report and with a balance of ~ {$630.00}. 

I emailed XXXX with my concern. They said it may take 7 days from the final payment for the account to be reported closed to credit bureaus but it had already been 3 months since the final payment and this account still showed up as active in credit reports. 

Yesterday, XX/XX/XXXX I noticed the account is still open and showing a balance owed of {$630.00} so I contacted XXXX again. They are saying the account was reported closed, but it continues to show on my credit reports. It has been 11 months since the final payment, and I find it completely unacceptable that the account still shows up as open and with a balance on my credit report. 

XXXX needs to do more to be proactive and resolve an issue like this, but in our communications has been dismissive, so I am filing this complaint. Email correspondence attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX I received an email stating I had opened a checking account. I did not. It was a XXXX XXXX Account. I called them and reported it, they closed the account and told me to have my credit froze and gave me the phone numbers to XXXX, XXXX and XXXX. I called XXXX and froze my credit and had them add Fraud alerts. I then revived mail at a later date and realized I had to freeze my credit through XXXX and XXXX and did so later that night. 
XX/XX/XXXX I received welcome email from Bank of America. Then received another email stating verify your email address. Then received another email stating Unable to Open Online Account. Please Review Next Steps.. and I assume whoever/whatever attempted to open this account couldnt do it because my credit is frozen. I havent spoke to anyone from Bank of America yet.

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: GA

Complaint narrative:
I want you to please look at the documents that I've attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I was charged {$71.00} by XXXX and on XX/XX/XXXX I was also charged {$34.00} by the same company. I set it up where this is charged automatically to my Paypal Credit account each year for renewal purposes. With Paypal Credit, individual charges over {$100.00} qualify for a 6-month interest fee special financing program which I have done for years with Paypal on those kinds of purchases. Any amount under {$100.00} do not qualify for that and must be paid before the next billing cycle, or incur high interest charges. I make my payments online and Paypal does not give the option to specify which debt you want to pay towards/off. The site automatically determines that based on which one will be due the soonest. With that being said, since those 2 charges totaling {$100.00} are due before the next billing cycle which is XX/XX/XXXX ( told by one of their representatives when I called about this on XX/XX/XXXX ), I paid the total amount on XX/XX/XXXX. When I checked the account to make sure it was applied to those 2 charges, I saw that it was instead applied to one of the " special financing '' charges that isn't expired until XX/XX/XXXX. When I called and spoke to a representative, she even agreed that they would normally apply to what is due the soonest which would have been the 2 charges that were under the {$100.00}. She also stated that in order to specify where it should have been applied, I would have had to call Paypal to make the payment. She then advised she would send the case to their " Reallocation Team '' as she was not authorized t do so and that I would hear from them by XX/XX/XXXX. With the new billing cycle being XX/XX/XXXX, I am in no way confident that they will make any attempts to resolve as we all know interest is the way these companies make money and as far as I am concerned, that is the reason they didn't apply my payment as they were supposed to. I find these practices to be very unethical, especially during these times of inflation and financial hardships in the country. Even if nothing comes out of this complaint for me, I definitely want it public so consumers are aware of their practices before using them for purchases. I've attached pictures of the charges, the payment made, and the special financing schedule. They applied my payment to the XXXX charge that now has a remaining balance of {$320.00} when it should reflect a charge of {$430.00}.

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have banked with Wells Fargo over a year now and Im constantly being charged bogus overdraft fees after I even opted out of overdraft. Pending deposits and withdraws that cause my account to overdraft. I even had an issue where Wells Fargo approved payday to be received two days early and when it showed my available balance I payed bills and Wells Fargo overdrafted my account. Their excuse was they have been having that issue and even though it shows the money was there it wasnt. And there wasnt anything they could do to give my money back. I am fed up I have lost too much at their hands.

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