vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX - XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 report by more than seven years. 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 non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC
State: PA

Complaint narrative:
This company is calling and texting multiple times in a matter of XXXX minutes. After they call 4 or 5 times they send about 3 to 4 text messages back to back. It's starting to feel like harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We have multiple accounts with Wells Fargo. We issued a check from our business account and that check was stolen in the mail process, edited/changed, and cashed at a bank. Wells Fargo did not flag this check even though it was clearly fabricated and lines/memo/names were whited out. Check information is below and a copy is attached for review. 

Check Date : XX/XX/XXXX Check # : XXXX Check Amount : {$14000.00} Check Issued To : XXXX XXXX Check Cashed Date : XX/XX/XXXX Check Cashed To : XXXX XXXX There are XXXX pictures attached. One shows how we issued the check ( XXXX XXXX ) and XXXX shows how it was whited out and cashed. Lines are even missing from the check. 

Wells Fargo has always called us whenever a check looks suspicious. Even for checks that are a few under {$500.00}, they will call and double check if it was us if any handwriting or signatures look off. For some reason, this check ( which again is clearly altered ) was not flagged and it was over XXXX. 

We immediately called Wells Fargo ( on XX/XX/XXXX ) when we saw the cashed check was not cashed to the right company to which we issued it ( document also attached ). They filed a claim for us and told us that it could take up to XXXX business days to get it resolved. On the XXXX business day, we received an affidavit which we filled out and faxed back. They are now telling us that it could take up to 120 days to even get a response from the bank that cashed the check and it's not guaranteed that we even get our money back. 

This was absolutely a Wells Fargo error. Banks are supposed to protect us from fraud and alert us when anything looks suspicious. In fact, we went into our bank and confirmed with the manager that it is their responsibility to review checks before releasing funds and he told us that " sometimes things slip through the cracks ''. XXXX XXXX dollars is a lot of money and will truly hurt our business if it is not recovered. We aren't even being offered a temporary credit which was originally offered to us. 

This also comes after the fact that in XXXX of XXXX, Wells Fargo forced us to pay back XXXX of our XXXX XXXX that we were originally told would be forgiven. With NO explanation. Again, we are a small business. We don't make much of a net profit and this is devastating to us. Please help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I received a call at my moms number, it was XXXX something in the morning CST. It was a person with the Company LVNV collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for XXXX XXXX XXXX, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies LVNV & XXXX XXXX XXXX are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/22 I took XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe it was on the flight from XXXX that the announcement was made regarding the in-flight promotional offer of XXXX reward miles and 0 % APR for the first 12 months. Because of this offer, I applied for the credit card and was approved, assuming that the promotion was applied.

I have since discovered that the promotion was not applied to my account and they refuse to honor the promotion.

They claimed that " Because our partners market through various channels, such as website or in flight, you may have agreed to a different offer. '' I believe this is an unfair, deceptive, and unethical business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, I made a electronic check payment to XXXX bill in the amount of in the amount of {$97.00}. On XX/XX/2022, my payroll from XXXX XXXX XXXX XXXX was posted to my checking account and the funds in the amount of {$97.00} was withdrawn from my TD bank checking account. On XX/XX/2022, my XXXX service was disconnected. I called XXXX in regards to the disconnection of my light service; I was told the check was returned. TD bank never notified me the check was returned because on XX/XX/2022 the amount of {$97.00} was withdrawn from my checking account for the XXXX bill. I was never charged overdraft fee for return check for the XXXX bill payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX I am a federally protected consumer. Equifax is causing my grave abuse and detrimental harm. I reached out to this corporation in XX/XX/2022 via USPS certified mail with return receipt to provide a detailed comprehensive compilation of erroneous facts and inaccuracies that their company has caused to happen to me from their various breaches and negligence of the law. My consumer report is being damaged, and my financial reputation destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX at XXXX am XXXX someone hacked my Cash App account and used my {$1400.00} in my account to buy bitcoin and withdraw it to themself. They kicked out my email and put their own. I have screenshots of everything. I went through the Cash App support and they sent me to their specialist for fraud and twice they denied me saying its my fault and I authorized the transactions. My rent got kicked back and now XXXX cant pay my rent for XXXX for atleast XXXX weeks. There was XXXX total transactions that I did not authorize and I feel I have overwhelming proof that it wasnt me. I did everything they asked to make my account secure but they still denied me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: Sunbit, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I had to file bankruptcy I included all accounts I had everyone was notified throw the bankruptcy court Sunbit continued to call me over the phone at least 10 times I spoken with them and let them know I had file bankruptcy the lady on the phone said she will continue to call not only did I let them know I file but they received paperwork through the courts in XXXX I received more calls from them and I stated again I couldnt speak with them as I was instructed not to by my lawyer they turn again and posted 30 day late payments on my credit report after knowing I file bankruptcy I reached out via email asking them why would they do that as they are violating my bankruptcy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX / XXXX which involved me making deposits for a total amount of USD XXXX from my Coinbase account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Delivery Financial Services, LLC
State: OK

Complaint narrative:
I received a call at my moms number, it was XXXX something in the morning XXXX. It was a person with the XXXX XXXX collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for Delivery Financial Services, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies XXXX & Delivery Financial Services are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. XXXX, XXXX, and Transunion are reporting late payments for account OFFICE OF THE ATTY GEN XXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 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: TX

Complaint narrative:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. XXXX, Equifax, and XXXX are reporting late payments for account OFFICE OF THE ATTY GEN XXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Requested all billing statements and I have not received them from Synchrony Bank / 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 2022-12-06 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: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see attached document and add documentation to submitted complaint for Equifax XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have identity theft. I thought this was the place to report it. I have numerous cards and a phone account opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 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: NC

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation