vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HF Holdings
State: VA

Complaint narrative:
A debt collector from HF Holdings called me about a debt from a company called 60day credit repair.

When I asked to validate the debt by sending me the original contract, credit info, itemized billing, and proof of ownership that they are authorized to collect this debt, they refused and told me to call 60day credit and deal with them. They have called me and threatened to garnish my wages if I didn't pay them, yet they are refusing to provide information. 

Company : HF Holdings Link : https : //hfholdingsinc.comXXXX Operator that I spoke with : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate information reported into my Equifax credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent out multiple letters to the credit reporting agency ( EQUIFAX ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX XXXX XXXX who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and SOCIAL confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently disputed the inaccuracies of the late payments on my report. The CRAs have stated that they verified this information. However, In accordance with the fair creditor reporting act these creditors XXXX XXXX XXXX XXXX XXXX have violated my rights under 15usc1681 sec602. I also have the right to privacy under 15usc 1681sec 604 ( a ) sec ( 2 ) which states a consumer reporting agency can not furnish an account without my written consent under15usc 1666 ( b ) a creditor can not treat a payment on a credit card account under an open and consumer credit as late for any purpose.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE REFER TO FRAUDULENT ITEMS LISTED ON THE ATTACHED FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
PLEASE REFER TO FRAUDULENT ITEMS LISTED ON THE ATTACHED FTC REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This has been a reoccurring problem with Wells Fargo and my Surviving Spouse benefit check from XXXXXXXX XXXX I trusted my bank to handle my funds and my account to be correct until I started looking for a place to rent for me and my daughter. 
Wells Fargo intentionally misrepresents the " Early Pay Day '' and for the first time, I received documentation that they don't really make your funds available. It just appears in your available balance, but it isn't actually there. It's called an advance. I was never informed that it was an advance and I wasn't given the opportunity to decline the service. I've lost about {$1500.00} due to their " service ''. They post the money in my available balance, but then they don't subtract any transactions from the deposit, they subtract it from the previous balance, which always puts me in the negative before my check is actually deposited. I am not signed up to overdraw my account, as I am trying to save money. All I have done is lost money since my time at the bank. They haven't offered to fund my account the {$300.00} they are giving away to new customers or even offered to fix my account to what I was under the impression the balance was. They did say " We are sorry to hear about you trying to understand how the advance works. '' If a new service had been started, and they state that they are offering access to your deposit early, that's exactly what should be done. Or if it's an advance, we should have the opportunity to accept or deny the service. 
**Today is payday for my payroll check. It is still showing as pending even though it should be all the way available.

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 2023-04-14 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: PA

Complaint narrative:
PLEASE REFER TO FRAUDULENT ITEMS LISTED ON THE ATTACHED FTC REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, we paid {$3200.00} for an outboard motor which we never received. We tried calling merchant, but he never answered our calls. On XX/XX/XXXX, we filed a fraud dispute and was advised to cancel that card and get a new card. Which we did. 
Our dispute was denied in XXXX. I called to see why. They said I had to file a billing dispute. So, during that phone call, I filed a billing dispute. 
We hadnt heard anything from the credit card company, so I called to inquire. Apparently the dispute I filed on the phone in XXXX was never recorded. I was told to do it again, as I did on that phone call. 
On XX/XX/XXXX, I called again and was told to fax in the receipt and explain the situation again. So, I faxed them all the info on XX/XX/XXXX. 
I called every week after I had sent the fax, and was told its in progress. 
Today, XX/XX/XXXX, I called and found out it was denied again because the time frame ran out. I have done my due diligence following through on this claim. I have made it a point to call consistently. {$3200.00} is a lot of money. We use our credit cards with the understanding that they are there to protect the consumer from things like this. It was the credit card company that let the time frame run out.

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
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
Called Nordstrom TD Bank XX/XX/2023 to inform them that the account was opened under my name, but not with my authorization. They said that they would freeze the card due to the fraudulent application. They confirmed that the account was opened using an address other than my own. 

I also contacted XXXX on the same day to report the fraudulent activity and put a freeze on my report. 

XX/XX/2023 I contacted XXXX to report the fraudulent activity and put a freeze on my credit report. 

XX/XX/2023 I contacted XXXX to report the fraudulent activity and put a freeze on my credit report. They advised that I place a report with FTC or police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union 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 2023-04-14 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: SC

Complaint narrative:
I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023, XXXX XXXX the administrator of the estate account of her stepmother, XXXX XXXX was removed by the Circuit Court of XXXX XXXX, Probate Division. As a result I was appointed the new administrator in the same month. The former administrator was also removed as power of attorney for her father XXXX XXXX in XXXX of XXXX My attorney wrote a letter to Bank of America in XXXX and included the necessary documentation informing them of the change and outlined the steps that needed to be taken. He also visited the bank in person three times in an attempt to resolve the issue. The appropriate documents were given the the branch manager. He was told someone would get back to him. As of XX/XX/XXXX no one has responded. In addition my attorney was told that no one at the branch could help him. He was giving an XXXX # to call and was then told that the banker misinformed him. We have been given the run-around regarding a time sensitive issue.

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to communicate twice with the bureau regarding the inaccurate information. I have not received a resolution, causing unprecedented issues to my credit.

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 2023-04-14 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: FL

Complaint narrative:
Equifax, XXXX and XXXX are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit. 

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Please see definition of a consumer ( c ) The term consumer means an individual. 

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Please see listed accounts reporting late payments XXXX. XXXXXXXX LATE PAYMENTS REPORTED XXXX. XXXXXXXX XXXX LATE PAYMENT XXXX  XXXX XXXXXXXXXXXX LATE PAYMENTS XXXX. XXXX XXXX-NO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: FL

Complaint narrative:
XXXX, Experian and XXXX are violating my consumer rights. 
I have been violated, I have found late payments reporting no my credit report based on the laws Im a consumer, you can not report these negative remarks on my credit profile according to 15 USC 1681a ( 2 ) exclusions, ( i ) A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. This is hurting my report, this is causing me to be denied credit.

Please see the definition of a Consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Please see definition of a consumer ( c ) The term consumer means an individual.

Please see the definition of a person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Please see listed accounts reporting late payments 1. XXXX LATE PAYMENTS REPORTED XXXX. XXXX XXXXXXXX LATE PAYMENT XXXX. XXXX XXXXXXXX LATE PAYMENTS XXXXXXXX XXXX XXXXNO ACCOUNT NUMBER LISTED- XXXX LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a fraudulent debt reporting into my credit profile

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 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
A company named AFFIRM, based in XXXX XXXX XXXX sent me an email saying that a debt for {$320.00} was charged off for account number XXXX. They say it is delinquent over 120 days and today received notifications from credit agencies that they have hit my credit, which was perfect before now. I am very angry that they are doing this and they will not fix it. 
Several months ago I tried to have my resume updated and contacted a company to do this, sent all of my information and since I was worried about fraud, didn't want to give my credit card info so I clicked the link to pay with AFFIRM. I never received a resume, never was able to get them to follow through with anything, so I sent a msg on the site to just forget it as I had someone else do one for me after waiting for over a month. The company said " no refunds '' " you can save it for another time ''. I argued the fact that they never gave me one now, so why would I think that they would later, AND the fact they didn't earn the money, send it back to AFFIRM. No response ... .... 
I called and disputed with AFFIRM, who contacted the company and came back saying that same thing, save it for the future, but I said no, cancel whatever was done and get your money back. Plus I asked why they were paid before services rendered, to which they gave no clear answer. They put in a dispute, never got back to me so when I looked online, dispute showed closed. This has led me to believe this was handled and " closed '' so I never looked back. They only take your phone number and name, no social security number or credit check is ever authorized, yet they now damaged my otherwise perfect credit as a way to strong arm me for money I do not owe them money and they are terrible crooks with many other complaints like this I have found. Can you please help me resolve this?? 
Please let me know if you need any other information. 
Thank you, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
A debt owed to XXXX XXXX XXXX XXXX in my name was sent to Transworld systems Inc/ for collections. The debt is in relation to an unpaid energy bill for a property in Texas. I have never lived in Texas and do not own property there. 

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 Transworld Systems Inc/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

ACCOUNTS XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My student loans from the servicer XXXX XXXX was transferred to XXXX as the new servicer, and instead of this showing as an existing ( 10 year old ) account it is showing as a new account which severely imparted my credit score.

Company response to consumer: Closed with explanation