vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 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: NJ

Complaint narrative:
TO CFPB PLEASE TAKE NOTE OF THIS DISPUTE ATTACHED TO THIS COMPLAINT. THIS DISPUTE WAS RECEIVED BY EQUIFAX XX/XX/XXXX IN WHICH I SPECIFICALLY POINTED OUT AND SHOWED VIA MY CONSUMER REPORT THAT HAD ERRORS FOR ACCOUNT - XXXXXXXX XXXX XXXX- WHERE I SPECIFICALLY STATED AND SHOWED THE ERRORS FOR PAYMENT HISTORY REPORTING A 30 DAY LATE IN XX/XX/XXXX ; HIGH CREDIT BALANCE REPORTING INACCURATELY ; THE CREDIT CARD NUMBER BEING REPORTED INACCURATELY. THESE WERE THE SPICIFIC ERRORS I DISPUTED BUT EQUIFAX DISREGARDED MY DISPUTE AND DISPUTED COMMENTS IN THE REMARK SECTION WHICH WAS NOT PART OF MY DISPUTE THAT I MAILED IN. SO I AM SUBMITTING THE SAME DISPUTE THRU CFPB PORTAL FOR THE SPECIFIC DISPUTE ERRORS THAT I AM REFERENCING IN MY DISPUTE AS REQUIRE BY THE LAW IN 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Credit card opens in my name with different Social Security number. I mix file.

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 2023-02-11 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: TN

Complaint narrative:
In XXXX of 2022, I filed a complaint with the CFPB against Experian for failure to comply with the FCRA which they claim they follow to protect consumers ' information. The claim I filed was for fraud for an account the XXXX XXXX was reporting that was mine. I sent in all of the necessary documents to show proof that I did everything required to get this information suppressed, but there was a failure on Experian because they never suppressed the information like they were supposed to. 

In accordance with the FCRA 605B ( 15 USC 1681 c-2 ) Block of information resulting from Identity Theft. Within 4 days of receipt of this information, they were supposed to block the reporting of the information and do a thorough investigation which was not done. I received feedback from Experian that they contacted the data furnisher and asked if the information was accurate without investigating all of the documents I provided. Because they did not do this it was an immediate violation of the FCRA.

Their failure resulted in them not following FCRA 616 ( 15 USC 1681n ) Civil liability for willful noncompliance. Under this law, I am to receive any monetary payment for actual damages that occurred because of this. 

It was their failure that resulted in my family not being able to purchase a home because the account from XXXX ( Acct # XXXX ) which should have been removed from my Experian report was the prime cause of me not being able to purchase a home and the result was I had to accept a rental instead which cost more than my schedule mortgage payment was going to be.

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 2023-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
was not able to modify loan, belive it was discrimination, sold mortgage to XXXX XXXX XXXX for no reason house has needed repairs rhat could of been taking care of sent death certificate for my husband still on the loan I am elderly XXXX yrs old, my son realized that I was being taken advantage of

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 2023-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : EXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX A XXXX Account Number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2023-02-11 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: IN

Complaint narrative:
There are several inquiries reflecting on my report that I did not authorize. 
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  In accordance with the Fair Credit Reporting Act XXXX accounts Transunion has violated my rights. 
15 U.S.C 1681Section 602 .A. States I have the right to privacy. 15 U.S.C 1681 Section 604. A Section 2 : It also states that Transunion a consumer reporting agency can not furnish a account without my written instructions and or consent.

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 2023-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank close my account without me having any knowledge on XX/XX/2022 I was told it was due to fraud. Ive contacted everyone in TD Bank including headquarters no response on XX/XX/XXXX. I received a notice that my TV mode boom app was hacked and my password was changed and it wasnt me I hadnt received any other information aside from a for the different phone number in the website I would like to know how my bank could be close for fraud that Im not aware of and also be hacked in the same week without any help! Aside from that, and getting any help, I was sent to the branch in which the guy who is every discriminate of arrogant been my card in my face, and all he told me was td no longer one of my services! Ive called Td headquarters and everything and not one person could give you any information on how your account could be closed drastically out of nowhere and you get no answers, and I put in complaints about the representative at the bank which she just smiled like it meant nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11 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:
This is in response to the closed complaint : XXXX by XXXX on the alleged debt of {$66000.00} for account number XXXX. I am submitting what I sent to this company, XXXX I, in return, demand that this company removes this alleged debt of {$66000.00} from my consumer report due to the unlawful fact this company is UNABLE to produce documentation stating that this alleged account ending in XXXX belongs to me. XXXX has yet to produce any exhibits that gives the jurisdiction that i voluntarily gave consent to enter any contract with my WET INK signature ( XXXX has only produced a document that does NOT consist of my handwriting WITH a FRAUDULENT autograph signature ), photo ID, thumb print, video footage, hair follicle or phone recording that I gave any consent of this alleged debt. This is causing myself true harm and XXXX because I am unable to provide a home for my children due to this alleged debt on my consumer report. This company 's unwillingness to remove this alleged account and debt from my consumer report has eve caused me to feel threatened and harassed by their company by attempting to contact me via telephone, as I will only accept in WRITING from this company that this alleged debt has been removed from my consumer report. This company responded stating states that I must submit a Loan Discharge Application : Forgery to an open investigation for an account that DOES NOT belong to me. It is unethical to do such matter for an alleged debt and an unvalidated account that does not belong to me. I reject the contract of doing so, as i do not sign contracts of third parties and none that i don't consent to. This company does NOT have my consent and never had of reporting any information regarding my natural living person. I reserve my rights, as this is a special appearance through this portal, not general. According to the UCC ( powers that be ' knew that all commerce is ruled by the Law of contracts ) no contract ; no case. I will seek legal action as the fraudulent documentation was written by someone other than my natural living soul, is fraud and from this companies conception i believe is used to extort money from me. I have filled out a police report and filed an FTC complaint long before this company " responded '' to do so, in the year of 2020. This company 's unwillingness to comply with my natural living rights has become unlawful and a meaningless investigation.

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 2023-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I called Mercedes XXXX XXXX explain to them that want to do a buy back and the remaining I would work sometime if payment arrangements they said they can not do that I would have to come out pocket. I just bought the vehicle on XX/XX/XXXX but I did not feel comfortable with there cars after seeing that they had a recall two of the Mercedes Benz caught on fire where I live. They were parked and started on fire. So I did not feel safe. I did an early lease return on XX/XX/XXXX. I have never been late with Mercedes Financial since I been with them they report me the the credit bureau that Im 30 days pass due that information is not correct. They been calling telling asking for money when I explain to them the lease car was returned with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
A check was mailed to Barclay card on XX/XX/XXXX for XXXX to pay off the balance of the credit card. The check was received by Barclay and CASHED by Barclay on XX/XX/XXXX. The already cashed check has still not been credited to my credit card account as of XX/XX/XXXX. 
I have called four times and used the chat function once. Each time Ive been told they dont have a record of the check on my account and I need to wait a few more business days for the check to be credited to my account.

The billing cycle closed 11 days after Barclay cashed my check and I was charged interest in the money they have but have not credited my account with. The second billing cycle since my check has been cashed is about to close and Im still getting the run around every time I call.

I attached a photo of the cash check showing it was cashed on XX/XX/XXXX and the statement from Barclay card showing the payment not credited to my account dated XX/XX/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 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid my Cabelas 's Club card balance in Full on XX/XX/2023. On XX/XX/2023 Capital One charged me {$170.00} in interest. I talked to Capital One on Saturday XXXX XXXX without success. This charge is outside of my agreed upon terms and conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have contacted Macys numerous times over the past few years and let them know that I paid my card and closed it, and I no longer have access to that address that was listed there or two that card. I was totally took it off and it hasnt been taken off and its been roughly 2 years I need them to remove it because this is starting to become a nuisance and its messing with my

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 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I sent all three bureaus a letter to have all my information updated as far as employer, name, address and no updated as been in progress and its almost 30 days since then.

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 2023-02-11 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: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2022 my Fidelity " aka '' Elan Financial Svcs was skimmed at a gas station pump and I started receiving charges from out of state. My credit card app started notifying me of the fraudulent charges and I immediately called my credit card to report Fraud. So I called Fidelity and reviewed all the charges on my credit card and I decided to pay my portion of the balance " I owed '' and closed the credit card with a zero balance. On my next statement I get a {$25.00} charge from Fidelity " aka '' Elan Financial Svcs saying I owed them because they reversed a credit from one of the fraudulent purchases. That would have been fine " BUT '' they also were also paid {$25.00} from the Merchant as well. So they were asking me and the merchant to pay them?????????? Fidelity " aka '' Elan Financial is XXXX XXXX XXXX XXXX  I never made the Fraudulent purchase and they are reporting me delinquent to " XXXX  '' who is upholding their decision. XXXX  has asked me for numerous documents and lied to me over and over saying they would " block '' the account if I had a police report. I've submitted ( 2 ) police reports ( 1 ) XXXX complaint ( 1 ) FTC complaint ( 1 ) CFPB complaint and nothing.

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 2023-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2023, I entered TD bank located at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, The reason for my visit was to send an international outgoing wire for {$1700.00}. XXXX XXXX XXXX, Customer Experience Coordinator, prepared the wire transfer. XXXX XXXX asked me the type of currency that I would like to send, and I replied, " USD ''. I also showed her a copy of the funding instructions which says, " funds are to be sent USD only ''. When the transaction was complete, XXXX XXXX handed me a receipt and I was sent on my way. I was not asked to sign anything. The funds never arrived at its destination. 

On XX/XX/2023, I spoke with XXXX XXXX and found that the funds were not sent USD but were sent in XXXX currency in error. XXXX XXXX then said that she would put in a recall for the funds to be returned to my account. I have subsequently repeatedly contacted XXXX XXXX and the bank manager in an effort to retrieve my missing or stolen funds, but my attempts have been unsuccessful. I last contacted XXXX XXXX on XX/XX/2023 at which time she informed me that she did not send a recall on XX/XX/XXXX, but would now do so. To date, I have not received my {$1700.00}, only an endless list of implausible excuses. On XX/XX/XXXX, however, one of the bank managers acknowledged that the bank made an error and refunded the {$50.00} transfer fee. I am now seeking the {$1700.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Experiance at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2023 XX/XX/2023 my company changed thier pay roll company from XXXX to XXXX. The checks look different however they are still Bank Of America checks from a BOfA customer. For 3 pay periods in a row Bank Of America has refused to cash my paper pay roll stating the reason of not having a imagine of what the new checks look like. Please keep in mind 1. This is from a Bank of America its thier check, so they should have an image 2. My employer has XXXX of employees that receive these checks every 2 weeks, so they should have an image.

3. If they rely on past imaging why does it take so long for up to date information.

4. At the very least should have an authorization for these checks.

Instead They advised me to deposit my pay roll in to my account at my bank or open an account with them.

The issue is why doesnt BOfA take BOfA checks not whether or not I have direct deposit.

The issue is if BOfA cant cash paper checks why offer them to your customers to give as payroll. This is not a personal check.

The issue is if you have this system in place why does it take so long to update. 


I have to go to a sketchy XXXX in XXXX to cash these checks.

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