vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In or around the year XXXX XXXX XXXX XXXX The Consumers Consumer Report began to reflect the hard inquiry from the Corporation at question that is XXXX XXXX XXXX XXXX and BARCLAYS BANK that does infringe on The Consumers right to privacy- On XX/XX/XXXX of the year two thousand- twenty four- The Consumer did opt out of any presumed or implied authorization for XXXX XXXX XXXX XXXX and BARCLAYS BANK to share or furnish any NONPUBLIC INFORMATION- and did give notice to XXXX XXXX XXXX XXXX and BARCLAYS BANK in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please see attached 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/24 I noticed the account XXXX XXXX XXXX on my credit report. I have no prior knowledge of 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 non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 ) 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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I was treated horribly poorly at their branch they refused To let me have or open a deposit Account checking claiming I have something wrong on chexystems refused to give me more information and advised to call them I have nothing wrong or on chexsytem so why am I being denied an 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 2024-02-23 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

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 2024-02-23 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am the executor of the estate of my brother. On Monday, XX/XX/2024 I went to the bank with certified letters of administration and death certificate. I asked them to close the account and give me the money. They said everyone was busy and I should come back another time. 
One of my brothers made an appointment, went to the bank, and gave the bank certified copies of the death certificate and my letters of administration. They refused to release the funds, saying that I must personally come to the bank to identify myself.

I called the banker my brother spoke with. She acknowledged that they had the certified letters and that the bank had agreed they were authentic. I made an appointment to come to the bank and identify myself. She said the process may take 1.5 hours and might not be completed that day. I asked why it would take so long and she said a different person would have to determine whether the documents were authentic and that person might not be 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 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: NC

Complaint narrative:
I made a transfer of $ XXXX {$410000.00} XXXX  to a family member on XX/XX/year>, within 15 minutes I realized that I made a mistake with the account that the transfer was to come out from. I immediately contacted the help number and requested that the transfer be cancelled. The agent XXXX assured me that transfer would be cancelled, and my request would be escalated. The following day I reached out and spoke to another agent XXXX, who echoed what XXXX said. However at this point, {$410000.00} XXXX had been taken out of my family member 's account and the transfer had not been cancelled as originally requested. Seeing that they had taken the amount, I then requested a refund. I spoke to a third agent XXXX and she gave me no tangible explanation as to a solution. I have called several times and received an email from yet another agent XXXX, on XX/XX/year>, stating that they would issue me a refund. Till this date of XX/XX/year>, I have yet to receive said refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
They refuse at the branch to let me have or open a Checking account this is not fair I asked why they wouldnt tell me sent me to home branch claim Im Blocked locked their crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Over the last 6 months or so, my bank has been taking my entire check. When I called I was told there was an account opened in XXXX and was closed due to it being overdrawn {$1900.00} dollars, and that they spoke with me about back then. This was not me, and I didn't have an account open in XXXX. My account has been open since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: ME

Complaint narrative:
I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/2023 which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my XXXX XXXX not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I refinanced the Hyundai Finance auto loan with XXXX XXXX XXXX XXXX ( XXXX  ). Hyundai Finance said they did not receive the first pay off check of {$48000.00}. I had to get a new pay off check issued from XXXX and it took over a month for Hyundai to credit the payoff. Meanwhile I was paying daily interest on both auto loans at the same time with the Hyundai loan being 11 % interest ( about {$15.00} per diem ). Since it took over a month for Hyundai to credit the payoff I had to make two more car loan payments to them while I started making payments to XXXX as well. I over paid {$1300.00} to Hyundai Finance. The original pay off check from XXXX was more than the pay off because of the two payments I made. It has now been since XX/XX/XXXX since Hyundai assured me they were sending a refund for the {$1300.00} to my bank XXXX. I just called Hyundai again today and they have informed me that only the original refund check was sent on XX/XX/XXXX. They have lied to me over the phone multiple times since then and assured me that they re-sent the refund check. Hyundai Finance is not being honest and is basically refusing to refund the money that I overpaid on my loan.

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 2024-02-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my 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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
They reported an alleged debt to collections that was over 10 years old and falsified my payment history on it claiming it was going to collections in XXXX of XXXX  when I haven't even had XXXX  service for ten years.

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 2024-02-23 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
SANTANDER CONSUMER USA XXXX Closed. {$22000.00} written off. Is reporting the vehicle to my credit report although they were sent notice that I do not recall having the vehicle. I ask for validation of the debt with proof the debt belongs to me with a contract bearing my signature. They refused to send any validation or proof. They were also provided an ftc report in which they refused to abide by. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of this account is violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : They were sent a debt validation letter in which they have yet to provide proof this debt belongs to me XXXX XXXX. 

Furthermore, the account is a charge off, but it is being reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-02-23 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: GA

Complaint narrative:
PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX  -XXXX XXXX  -XXXX XXXX 5 INQUIRIES -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 2024-02-23 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: GA

Complaint narrative:
PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX.-XXXX  -XXXX XXXX-XXXX XXXX XXXX-XXXX  5 INQUIRIES -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 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have no knowledge of the credit card debt that is being used against me and negatively impacting my credit report..Would like to see actual solid information from the credit card issuer but nothing can be provided when requested..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: SC

Complaint narrative:
There are addresses listed on my credit report from a state I have never been to nor been associated with. This inaccuracy leads me to believe that my credit report is tainted with inaccurate information. This misinformation is concerning.

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 2024-02-23 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: GA

Complaint narrative:
PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX  5 INQUIRIES -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 2024-02-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to withdraw the entirety of my balance at Marcus, {$14000.00} and transfer it to a separate institution. Marcus showed my " Available to use '' as {$14000.00}. 

I received a call on XX/XX/XXXX, and approved the transfer. 

On XX/XX/XXXX, despite approval, the transfer was reversed. Upon contacting Marcus via chat that same day, they told me to retry the transfer. I did. 

On XX/XX/XXXX, I received a call from Marcus saying they had to cancel my transfer because the funds have not been in the account long enough. This was despite Marcus saying that I had the exact amount available to use before I made the transfer. They also wouldn't say how long the funds needed to be in the account. 

Basically, Marcus is preventing me from moving all of my funds out, despite the entire time it showing that the funds were available to use and at one point, them telling me to make the transfer again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Due to my XXXX XXXX XXXX, ALL of my bills ARE on AUTOPAY. WITHOUT NOTIFYING ME, in ANY shape, form or fashion, XXXX XXXX  STOPPED MY AUTOPAY with Just FOUR ( 4 ) Payments remaining. It Wasn't until I was Alerted By the Credit Bureau Did I learn I was by that time 30 days late with my payment. I IMMEDIATELY contacted the bank by PHONE and was Rudely treated by a lady in the Collections Dept. FORTUNATELY, I HAD THE FUNDS TO PAY BOTH PAYMENTS- WHICH SHOULD HAVE BROUGHT MY ACCOUNT CURRENT AND UP TO DATE... INSTEAD, THEY WERE WANTING ME TO PAY OFF MY BALANCE. THIS I COULD NOT DO BECAUSE I AM XXXX AND LIVE ON ONE MONTHLY FIXED INCOME. 
they were implying my account should have been paid off in XXXX. Because of my payment status, twice a year XXXX XXXX  SENT ME a offer IN THE MAIL to extend a payment Which I usually ACCEPTED... In Doing the Math, there is NO WAY MATHEMATICALLY this Would have precluded a XXXX payoff. DUE TO THEIR ACCOUNTING & SOFTWARE ERRORS, HAS RUINED MY CREDIT ; CAUSING MY SCORE TO DROP BY OVER A XXXX POINTS. it DOESN'T END THERE. 
WHEN I DID CALL IN ON XXXX XXXX 2024 @ XXXX, I spoke to XXXX AND USING THE SAME BANKING INFORMATION THEY HAD ON FILE - PAID THE BALANCE OF {$700.00}... EVEN AFTER I PAID OFF MY TRUCK, THEY FAILED TO REPORT MY PAYOFF and UPDATE MY ACCOUNT STATUS. * I HAVE SINCE ; RECEIVED MY TITLE IN THE MAIL. BUT STILL. THEY HAVE FAILED TO REPORT MY PAYOFF TO THE CREDIT BUREAU.

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