vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been having an ongoing issue with TD Bank going on for XXXX  years now. TD bank has been sending my personal banking letters and leaving messages for years that are meant for me to my divorced/former marital home instead of me. 

I have repeatedly called and have went in person multiple, multiple times during the XXXX  years for this issue. They tell me my new address and phone number have been updated and that the old address and phone number has been removed but this never seems to stay deleted/removed. 

They continually tell me and when you will be reaching out, they will tell you the same as I have been hearing for the last XXXX  years that, " it has been done, all has been updated and that only my information is all that they see on there screen '', but if this truly was the case, I would not have to be filling a complaint that my private information is going to a wrong address and messages being left on others peoples lines that are meant for me. 

A recent example of this being ongoing is, when I purchased a CD XXXX ago this year XXXX  and the branch manager at that time also still saw my ex 's information ( which has been deleted multiple times up to that point ) still in there system. He proceeded to delete my ex 's information yet again and again I was told " not to worry that it had been updated/removed and this won't happen again ''. Then just this week Tuesday XX/XX/year>, my ex received a message on his line about My upcoming CD maturing. Why is this happening when it has been countless of time that his info has been deleted?? 

Clearly there system keeps repopulating deleted info causing this Privacy Violation of my personal business to keep happening each and ever time, year after year. Not sure why there system is doing this, but This Needs To get this Corrected and Quick because having my private business being send to others is not something that should be happening to anyone especially for XXXX yrs. 

TD bank can verify and confirm All that I am saying because I am sure they have call logs and correspond logs when they send out and they can go back and see exactly where they have been calling and mailing My Private Information to. 

I am mortified that my private information and my person business is being shared with others because there system can't keep/save any updates or permanently remove information and not to mention potential identity theft that can occur from my personal information getting into the wrong hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly 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 explanation
Consumer complaint received 2024-08-16 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: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
**Consumer Financial Protection Bureau** XXXX, GA XX/XX/year> **Re : Complaint Regarding Debt Validation - Firstsource Advantage, LLC** Dear CFPB, I am writing to formally request your assistance in resolving an issue concerning an inaccurate debt being reported on my credit report by Firstsource Advantage , LLC .

**Background and Details : ** - **Company Involved : ** Firstsource Advantage , LLC - **Account Reference Number : ** XXXX On XXXX, I received a notice from Firstsource Advantage , LLC regarding a debt that they claim I owe. I have serious concerns regarding the validity of this debt and, as such, I sent a formal debt validation request to Firstsource Advantage , LLC on [ insert date of original request ]. In my letter, I requested the following information : 1. **Assignment Contract : ** Documentation showing that Firstsource Advantage , LLC is authorized to collect this debt on behalf of the original creditor, including the name and address of the original creditor.

2. **Verification of Debt : ** A copy of the original debt agreement, or any other documents that prove the validity and ownership of the debt.

Despite my request, Firstsource Advantage , LLC has failed to provide the requested documentation within the 30-day period as required by the Fair Debt Collection Practices Act ( FDCPA ). Instead, they continue to report this unverified debt to the credit bureaus, which is adversely affecting my credit report. 

**Actions Taken : ** - On XXXX ], I mailed a debt validation request to Firstsource Advantage , LLC XXXX asking them to provide the necessary documentation. 
- To date, I have not received the requested information, nor have they ceased their collection activities, including the reporting of this debt to the credit bureaus.

**Request for Resolution : ** Given the company 's failure to validate the debt as required by law, I am requesting the removal of this inaccurate information from my credit report. I ask that the CFPB intervene to ensure that Firstsource Advantage , LLC complies with the FDCPA by either providing the requested validation or ceasing all collection and reporting activities related to this account.

I would appreciate your prompt assistance in this matter, as the continued presence of this unverified debt on my credit report is causing significant financial harm.

Thank you for your attention to this issue. I look forward to your response. 

Sincerely, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank and PNC Merchant Services are trying to charge me fees and collection charges for the month of XXXXXXXX XXXX for my Business account that was closed in XXXX XXXX. PNC extended my account closure date another month in order to charge a fee and send it to collections. PNC never sent me any notification that my account would remain open until XX/XX/year> ( without my permission ). PNC never informed me of additional fees and charges would incur AFTER the account is closed. I spoke with Reps from both PNC Bank and PNC Merchant Services and was told that it takes up to 30 to 60 days to process an account closure and they usually ask the customer to leave the account open in case any last transactions come through. Well my account had not had any transactions for several months, which is one of the reasons it was being closed. I agreed to pay the bank fees accrued while the account was dormant of {$91.00} dated XX/XX/year>. I called the bank to make sure there was nothing else owed and that this would prevent any collections or notices to credit bureaus. The fee in question was {$4.00} in which I had no knowledge of the fee until I received a letter XX/XX/year> to collect {$200.00}, which includes {$100.00} in collection fees and confirmed by the representative today, XX/XX/year>. Allegedly, {$4.00} monthly fee for XXXX could not be deducted because the account was closed. Therefore, it was sent directly to their collections dept and they added collection fees. I should have been notified by mail, email or phone call before adding more fees. Also I have received an email from XXXX XXXX ( PNC Merchant Services ) that this same process is happening with them because their renewal fee of {$49.00} was returned because the account is closed. and now they see that it is in collections and will need to send it to their collections in order to find out when the account was closed. This is turning into a nightmare over {$4.00} fee that I should never have been charged for in the beginning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I filed a complaint about Midland credit management previously and my corporateRep Payee attempted to reach out to them They refused to communicate with her without a power of attorney and were extremely rude Unfortunately, discovering theyre not the only debt collector who feels theyre entitled to break laws and be rude to people put into places to help someone on benefits while theyre experiencing medical issues or other life issues that prevent them from handling their own life and She was trying to inform them she would be making payment arrangements when they came up on her list Of everyone and everything else I owe due to the Social Security administration priority list on how she spends my benefits instead I was served with a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
Equifax and XXXX conducted an investigation and refused to remove fraudulent rental collection from XXXX  XXXX from my report as of XX/XX/2024. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from XXXX  XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
XXXX and Experian conducted an investigation and refused to remove fraudulent rental collection from XXXX  XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from XXXX  XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for 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 2024-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my credit report, I found accounts that aren't mine. These are hurting my credit, so I need them removed.

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 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received numerous messages and then a letter demanding payment from TRUIST BANK. I thought it was a scam because as soon as my account was turned into a Truist account I cancelled the account and credit card. That was more than two years ago. I spent more than an hour on the phone with 2 people I couldn't understand very well and then, after several requests, I talked to a a person in the U.S. all they could tell me was that I owed XXXX XXXX and XXXX  plus a XXXX XXXX  late fee for a purchase that involved 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 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Chase Bank account. 

In XXXX, I was a victim of significant fraud involving my Chase Bank account. During this period, I also suffered a robbery in which all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. This theft led to fraudulent activities across multiple accounts. 

Despite my efforts to address this issue, including filing a police report a few years later, Chase Bank has refused to correct the fraudulent charges on my account. My initial attempts to resolve the issue directly with the bank were unsuccessful, and my subsequent appeal was denied without evidence linking me to the fraudulent activity. 

I have attached copies of my appeal denial and the police report for your review. Chase Bank 's continued refusal to rectify the fraudulent charges and resolve the situation is unacceptable. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NJ

Complaint narrative:
I mailed in a bankruptcy dispute letter on XX/XX/24 in which the delivery was confirmed. this account is in violation of 15 usc 1681b it is being reported without permissible purpose my information was obtained under false pretenses which is a violation of 15 usc 1681q You possess my information without permission to use it which is a violation of 15 usc 1028a aggrevated identity theft i also have a court letter and a pacer letter that confirms they did not verify this information with any consumers and all information must be verified and confirmed

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 2024-08-16 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: FL

Complaint narrative:
To whom this may concern ; this is a response to cfpb case # XXXX. I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand this account be deleted from my consumer report immediately. 15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC 1681 Sec 602, states I have the right to privacy. 15USC 1681 sec 604a, sec 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC, 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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 deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On Tuesday XX/XX/year> approximately XXXX XXXX, I used my bank card to remove {$1000.00} cash from a Wells Fargo ATM XXXX I was charged 2 fees. One fee of {$5.00} and another 2 %. The ATM gave my card back and said take my cash. At that moment I couldn't receive or remove the cash from the ATM because the hardware had malfunctioned. My account was debited immediately. I took a video and a photo of the incident and immediately reported the issue to the bank manager ( which was pretty helpless ). After some exchanges and explaining the issue, she finally gave me a number and took my information to call and report it with Wells Fargo. The following day Wells fargo called and said they'll let me know when a case manager is assigned. The following day after that, the same thing. No one was assigned to my case. I was informed to call back the following day and then no one has been assigned still. I was informed that I should follow up on Monday of the following week. I have been led around in circles and not one person is taking this matter urgently. I'm now almost a week late on my bills due to this incident.

This could have been fixed immediately but these banks don't care about any of us because in the end, no one holds them accountable for their actions and they're too big to even be bothered.

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