vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Subject : Complaint Against Nordstrom 's Credit Card for Reporting Late Payments and Refusing to Remove Trade Line from Credit File Dear Federal Trade Commission, I am writing to file a formal complaint against Nordstrom 's Credit Card regarding their reporting of late payments on my credit file and their refusal to delete the trade line associated with my account, despite my objections and efforts to rectify the situation.

In [ date/month/year ], I discovered that Nordstrom 's Credit Card had inaccurately reported late payments on my credit file, negatively impacting my credit score and financial standing. Upon discovering this error, I promptly contacted Nordstrom 's Credit Card customer service to dispute the inaccuracies and request the removal of the late payment entries from my credit report.

Despite multiple attempts to resolve the issue, Nordstrom 's Credit Card has refused to delete the trade line associated with my account completely, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have failed to compensate me for the time and effort I have expended in correcting this issue with credit bureaus and Nordstrom 's Credit Card managers.

I believe Nordstrom 's Credit Card 's actions constitute a violation of my rights under the FCRA and have caused me undue financial hardship and emotional distress. Their refusal to take appropriate action to remedy the situation further exacerbates the harm done to me as a consumer. 
I respectfully request that the Federal Trade Commission investigate this matter and take appropriate enforcement action against Nordstrom 's Credit Card for their non-compliance with the FCRA and their failure to provide adequate consumer protection. Additionally, I seek compensation for the time and resources I have expended in rectifying this issue. 
Thank you for your attention to this matter. I look forward to a prompt resolution and a fair outcome. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo denied my claim for fraud even after I requested for my account to have a stop payment! From the merchant and they are saying I did it! Wells Fargo need to be investigated the case was for XXXX it was for a merchant called XXXX they denied it for no apparent reason and now are saying I have to wait 120 days to get my funds back from the merchant Im assuming they are just tryna keep the money so they can fund there other illegal activity! I will be closing my account with Wells Fargo once I get my money back I already took all my money 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 explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-04-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Healthcare Finance Direct LLC.
State: NH

Complaint narrative:
Healthcare Finance Direct continues to attempt to collect for XXXX XXXX XXXX which went bankrupt in XX/XX/2023 a couple of weeks into the medical services they were providing me. They failed to deliver on a dedicated concierge and live and in person XXXX  checkups as they had agreed to in the contract within a couple of weeks of starting my care with them as a XXXX  patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the mentioned entries contain inaccuracies in terms of reporting, including erroneous amounts and dates.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on 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 2024-04-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

1. This Inquiry was not authorizeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I RECENTLY LOOKED AT MY CREDIT REPORT AND IT SHOWS ON MY ACCOUNT THAT I HAVE LATE PAYMENTS. THIS INFORMATION IS INCORRECT BECAUSE I HAVE NEVER BEEN LATE ON MAKING ANY PAYMENTS ON THIS ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Today XX/XX/24 at XXXXXXXX XXXX  I received an email from Capital One stating that another number had been updated on my profile. I have never opened an account with Capital One so this was news to me. at XXXX I also received an email from XXXX XXXX saying there was a hard pull on my credit report by Capital One. At XXXX another email from Capital One came in stating my account details including a XXXX $ credit limit for a new Savor One Card. At XXXX another email from Capital one came in sayin thank you for going paperless for the account ending in XXXX, I called Capital one and was transferred to the fraud department where they were able to verify my name/ address/ date of birth/ SS info/. They said the name on the account and address did not match my own. They did share the last name it was opened under but not the address. I had them close the account and flagged it for fraud since I was not the one who opened this account. They told me to file a police report and contact my other banks with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One. I called today, on the XXXX of XXXX, and their customer service was terrible. I was complaining about the fact that they had placed a 90-120 day delinquency on my account, when, in all actuality, I had paid off everything I owed, and the some. The representative ignored my situation and told me to " send a letter '' to the company regarding my complaint. Then, after a bunch of nonsense mumbling, he forwarded me to his " supervisor '', and after 3 and a half hours of waiting on the phone, the supervisor picked up and said that " they can't do anything about it '' Is this fair? Capital One is always talking about how valued their customers are, but it's pretty evident at this point how much the company cares about me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
This item XXXX XXXX & the XXXX XXXX XXXXXXXX account credit Report is inaccuracies Payment history and last Date of activity and Balance are all incorrect Delete it from my credit Report Immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit 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: LA

Complaint narrative:
Bank of America contacted me regarding suspicious charges on my credit card at XXXX. I informed them it was not me, at which point they issued new cards and said the charges would be refunded. One charge was refunded but the other 2 were not. When I received my statement I called again and they said they would add the other 2 charges to the claim. Another statement came and the charges were still on there. I called AGAIN and was assured it would be handled. Now they are showing me past due. I have impeccable credit. The balance on this account is comprised solely of the fraudulent charges. These 3 charges occurred early XXXX. They have had ample time to resolve this 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 monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
My father has spent the last XXXX months bouncing from XXXX XXXX, to the XXXX, to XXXX XXXX, to XXXX XXXX XXXX. After failing to maintain any regularity at my health club, I instructed them to keep my account frozen until further notice. 

While my account was frozen, I was billed the freeze rate of XXXX. However, an expired credit card on file couldn't be charged. Rather than contact me to alert me of this issue, XXXX XXXX XXXX XXXX ( XXXX ) continued to charge me month in, month out, as well as tack on a {$15.00} dollar late payment fee for each month. 

XXXX eventually unfroze my account, again without notification. They billed this expired credit card {$75.00} and then another {$15.00} late payment free. After explaining the issue to XXXX, they decided they would not waive these fees and instead turn things over to XXXX XXXX XXXX. That did not end up being the debt agency. Instead, I was contacted by Aldous and Associates. When they contacted me I explained the issue, but they informed me they would nothing about the balance, and I could either pay the full amount of XXXX or file a complaint, of which I'm doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit 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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I was encountered an scam that is so called home-based job part time. XX/XX/XXXX I received a message from my phone name XXXX and introduced the XXXX XXXX  that offered homebased part time job. Then from there someone connected to me through XXXX  name XXXX from XXXX XXXX that XXXX introduce the platform called XXXX. XXXX explained that the parttime works if with commision and salary with a cryptocurrency. XXXX the one that was teaching me what to do from buying cryto and working on the XXXX  platform. To start the work need to put funds to start the the working day. Once I complete the 5 days working I will be paid of XXXX plus the commision. From my bank institution we transfer money to XXXX  and XXXX. From moonpay and XXXX  we transfer the crypto currency to the XXXX  platform to start the workday. They have called XXXX XXXX that will give you more commision but it gives you negative balance that you need to covered/add funds to make it positive. Every time you encountered combo task it makes you negative more bigger and bigger amount. I funds how many time to recovered the funds I barrow from mt friends and put all I have to the platform. But it turns more and more bigger negative ammount that I end up lost of all sources and I cant recovered it anymore. XXXX want me to put more and more money that I dont anymore. I called them the customer service, XXXX, and group memebers but no one wnated to show their faced or heard their voices. That I realized I was scam and Its is to much for me realized. So I file a claim to the XXXX, XXXX, wells fargo and XXXX. And I even reported it to FBI. XXXX XXXX XXXX credited the final amount XXXX to me but the wells fargo credited provisional the XXXX. Wells fargo told to me that they cant recovered the other amount that i used in XXXX  and the provisional credit that the wellsfargo issued to from XXXX  they said they will going to deduct again in time. THe XXXX  and XXXX  cant do anything either. 
The fflowing amount and date are the ff trnasaction through wellfargo going to the ff apps. 
XXXX  to XXXX  platform : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX platform : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX I really need your help to retrieve the money I just barrowed must that amount. PLease help me. I dont know ehere to go anymore to ask for help to retrive the money.

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