vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX recently implemented changes to data availability to third-party websites, apps, and data aggregators. Rather than allowing third-parties to scrape their data, they are instead now funneling all of that to XXXX, which was at one point their own firm that they spun off and are heavily invested in. 

With this change, XXXX is taking choice out of the consumer 's hands when it comes to data aggregators and forcing them to use aggregators that XXXX itself has a vested interest in seeing succeed.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This morning ( Friday XX/XX/XXXX  ) I got an alert from the Credit Bureau Agency 's I pay to monitor my credit monthly/keep my accounts safe. 

Out of nowhere my Credit Bureau I pay EXPERIAN- lowered my Score by XXXX points lower ( From constant XXXX level to now XXXX ). 

I scrolled down my Credit Report to see if there was fraud or false charges. There were none. As far as I can tell- this near XXXX POINT drop ( and I go from EXCELLENT Credit down to VERY GOOD now )- is that living in XXXX XXXX XXXX - I do not have a recurring Auto, Home or similar payment. Nothing in this area has changed in 20 years when I last had a car payment. I worked VERY hard to bring my credit card balances to at or near XXXX - and I get punished severely for not taking out senseless, risky out of budget car or homes people in XXXX XXXX XXXXXXXX don't or can't afford in a lifetime to own. Also as I am looking to move long distance -this could make an Car Loan or Home loan higher payments, higher interest or me seen as more risky for any loans. 

This is absolutely false- and a no-warning gimmick they get to punish you with for keeping good credit, but not bringing on senseless risk. I contacted them, I have to wait 5 business days as this fake score stands as official - and I ask for intervention/correction as this has never happened before, is so severely punishing/harmful - and hurts innocent people who pay off their credit. 

Thank you, 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 explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated a wire transfer of funds from my Bank of the West/BMO account to my XXXX account 2+ weeks ago. After inquiring about the status oft the transfer yesterday ( XXXXXXXX  ) I was told that the transfer had not yet been made. So BMO is not fulfilling its obligation to make a simple wire transfer. This is unacceptable. Please help. 

Thank you.

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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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 have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Account # XXXX and XXXX XXXX  ( XXXX XXXX ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the consumer ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
XXXX Account # XXXX and XXXX XXXX  ( XXXX XXXX ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the consumer ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-10-13 00:00:00
Product: Credit reporting 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

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 2023-10-13 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT 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 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 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
In 2022 i started a bankruptcy process based on my living situation with me not having a job and husband having a XXXX. I retained a lawyer and all XXXX was notified that there will be a bankruptcy hearing. I took pre bankruptcy course. Yesterday XX/XX/XXXX - someone served civil court papers to a minor- i thought its very illegal move? I called Rubin and Rothman at XXXX and asked how dare you serve something to a minor - I spoke via help of my relative and they were not too nice. They should have not harrassed me or especially a minor who is XXXX XXXX XXXX. Its a disgrace.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account was paid and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable.

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 2023-10-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
* Your name : XXXX XXXX I made a deposit about a XXXX  ago now and the person who owns the account still hasn't received the money. The deposit was made in person at a branch but I can't find the receipt. I've been to the branch XXXX different times now, last one with the recipient of the account and they can't find the money. What are my options? XXXX at the branch almost excorted us out of the branch saying that we're lying. PLEASE HELP! 

* Your preferred contact number : XXXX XXXX XXXX XXXX XXXX XXXX Date of deposit : XX/XX/2023 ( Maybe XXXX? ) * Time of deposit : Around XXXX * Amount of deposit : XXXX * Source of funds ( i.e., cash, cheque, etc. ) : Cash in branch with teller * Full name of account holder : XXXX XXXX - XXXX XXXX XXXX XXXX * Account information provided on the date you visited the branch : Acc Number : XXXX *Branch Location : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Bank is holding me liable for crime funds I did not commit and the person that did commit this crime is being charged and going to court. I should not be responsible for money I had nothing to do with.

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 2023-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LOAN SIMPLE INC.
State: IN

Complaint narrative:
XXXX XXXX.. {$4000.00} in points plus an additional {$300.00} to pull my score predatory lending practice

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all 3 bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXXXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately

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 2023-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have reached out to MCM- MIDLAND CREDIT MANAGEMENT, advising this purchase/rental/lease was not made by me. I stated to rep XXXX XXXX that all the rental agreement was sent through XXXX to an unknown email address I do not own nor recognize. I also requested to stop the harassing phone calls to me and family members. There is not and shipping address where these rental goods were sent and no proof that any ID was taken to verify the identity. The representative stated he could not access the account because it has a restriction and refused to provide me with an address to mail out my dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all XXXX bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all XXXX bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late 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 2023-10-13 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: OR

Complaint narrative:
Dear PayPal XXXX, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account ( email address : XXXX ). I believe there may have been a misunderstanding or error in the decision to limit my account, and I would like to request a thorough re-investigation of my case. 

First and foremost, I want to emphasize that I have always strived to comply with all PayPal policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe measure as a permanent account limitation. I take the use of my PayPal account seriously and have used it responsibly. 

I understand that PayPal takes security and policy compliance seriously, and I respect your commitment to maintaining a safe and secure platform for all users. However, it is crucial to ensure that account limitations are applied accurately and fairly. 

I kindly request that PayPal 's team reviews my case in detail, considering any possible misunderstandings or mistakes that may have led to this limitation. If there is any information or documentation required from my end to assist in this process, please do not hesitate to let me know. 

My primary goal is to resolve this matter amicably and have my account fully restored so that I can continue to use PayPal 's services as I have in the past. I understand that mistakes can happen, and I hope that, upon review, my account will be reinstated. 

Thank you for your attention to this matter. I eagerly await your response and the opportunity to provide any additional information necessary to support the re-evaluation of my account status. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a 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've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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