vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account for XXXX XXXX XXXX ( XXXX XXXX ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on Transunion, XXXX & XXXX XXXX 
Please see attached document showing paid to XXXX XXXX XXXX  on XX/XX/2023 in the amount of {$1100.00}.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The account for XXXX XXXX XXXX ( XXXX XXXX  ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, Equifax & XXXX XXXX 
Please see attached document showing paid to XXXX XXXX XXXX  on XX/XX/2023 in the amount of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
The account for XXXX XXXXXXXX XXXX  ( credit card ) shows as charged off/closed account when this account was paid off. I contacted the company 2 weeks ago but nothing was resolved. The amouint paid to them for the pay off was {$1100.00} on XX/XX/2023 but somehow it shows as charged off/closed account on XXXX, XXXXXXXX XXXX Experian XXXX 
Please see attached document showing paid to 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 2023-08-28 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: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this XXXX XXXX  information was supposed to be confidential?

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I requested My 2 credit reports with my ID and utility bill. I received a reply stating that my consumer report can not be furnished until I provided additional identifying information. I complied with the request and sent my driver 's license, social security card, and a utility bill ( electric ) and I received another reply asking for identifying information again. I have been requesting my 3 credit reports and I have yet to receive what is rightfully mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: IL

Complaint narrative:
Experian is reporting inaccurate information on my credit report that has not been verified under federal law nor have I consented to the reporting of this inaccurate information. The inaccuracies and failure to reinvestigate this information has caused me financial harm and injury.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: MA

Complaint narrative:
I would just like let discover know that next week as I've already had a meeting with an attorney XXXX on XXXX.. And on XXXX I will be meeting again to retain him so going forward please send your harassment letters to him His name is attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX number is XXXX. 

I am giving you the heads up now before he starts dealing with you going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to provide further information regarding my ongoing dispute with Wells Fargo Bank. I recently contacted them again, engaging in a 50-minute conversation. During this call, they indicated that they have initiated the processing of four disputed transactions, for which they provided claim IDs : XXXX XXXX XXXX XXXX XXXX XXXX While this might seem like progress, a significant concern remains. Upon inquiring about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was far from satisfactory. Instead of providing a clear answer, they transferred me to multiple departments, leaving me without a resolution. Eventually, I was informed that these claims are still pending due to missing documentation. 

It's important to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and furnishing all the requested information based on their inquiries. Despite my cooperation, they continue to delay and avoid processing the claims. Their assertion that I haven't provided the necessary information is baffling, given that I possess the claim IDs as evidence. This situation is indicative of the bank 's intention to procrastinate, allowing these claims to linger indefinitely. 

It is evident that Wells Fargo 's actions are not aligned with their commitment to resolving disputes promptly and transparently. The bank 's inability to address these claims raises concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially considering that they possess the necessary information, is both disheartening and unjust. 

In light of this situation, I implore the relevant authorities to intervene and oversee the activities of Wells Fargo. Their behavior calls for a thorough investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. 

I appreciate your attention to this matter and your role in safeguarding the rights of consumers. 

Sincerely, 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 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX trade lives and XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: AZ

Complaint narrative:
The reason for this complaint stems from my desire to purchase a house and the subsequent discovery of damages present on my credit report. According to the guidelines outlined in the 15 USC 1681, it is explicitly stated that my credit report should not reflect any unjustifiable damages, as this could be construed as an act of defamation against my character. 
It is my firm belief that these damages have adversely affected my ability to achieve my financial goals, including securing a home. I am reaching out to the CFPB to address this matter and seek a resolution that aligns with the legal standards set forth in the aforementioned statute. Thank you for your attention to this important concern.

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 2023-08-28 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX my PayPal account was permanently limited for reasons Im unaware of, and with that {$3000.00} of my hard earned money was placed on a 180 day hold. When trying to figure out what I did wrong, and what I could do to access my funds they give me the runaround and havent given clear explanation on what happened, they also refuse to allow me to withdraw my funds. I have lost my home and car due to these being the last of my funds, which I have expressed to them in the prior months of me trying to get the situation figured out. I want my funds released as now Im homeless and have done no wrong and been a loyal PayPal customer for years. I will go the legal route if my funds are not released swiftly, as PayPal has a history of doing this to thousands of customers every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyons, Doughty & Veldhuis, PC
State: DE

Complaint narrative:
I have sent Lyons, Doughty & Veldhuis, P.A a debt dispute in repond that the debt collection they bought from XXXX XXXX is not mine and that I do not recognize this account and I have no previous knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
There are several instances in which cashapp has approved multiple transactions to be flagged as fraudulent and done absolutely nothing to rectify those transactions but instead they've closed my accounts and told me it's my fault and further added insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I attempted to deposit a check from a brokerage account ( XXXX XXXX ) into a Savings account at Citizens Bank and the check was placed on a hold for 2 weeks. 3 days later I attempted to transfer funds from 2 of my Savings accounts at this bank to a Checking account and the transfer was rejected and my accounts were frozen. The customer service has been unresponsive. Meanwhile I will be unable to pay my credit card bill due to inability to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
What follows is a letter that I send to TD Bank back in XXXX, XXXX. I have had no response from them, and they keep adding " late '' fees to the original balance that I believe is incorrect. This is a classic example of " junk '' fees. TD Bank has reported me to credit bureaus which damaged my credit rating. I used to have a very high credit rating and now not so high. 
I received the latest statement from TD Bank on this account and the amount they want is up to {$330.00}. 
On principle, despite TD Banks credit bureau reporting or whatever else they try. I will never pay this bill because I believe it is outrageous and wrong. 




XXXX XXXX XXXX, NY XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern : I am writing to complain strongly about unjust finance charges on my TD Cash Visa Signature Card and to request that you cancel them all. 

Account information : XXXX Account # : XXXX This is a problem that began on the statement covering the period XX/XX/XXXX XX/XX/XXXX. On that statement a Late Payment Fee of {$22.00} was charged. I called TD bank to ask why. I dont pay my bills late, and had mailed a check on XX/XX/XXXX which was more than enough time for it to reach TD Bank by the due date. You received my payment, total amount due of {$21.00} on XX/XX/XXXX. The late payment fee was charged on XX/XX/XXXX. The late payment fee charged was {$22.00} which was more than the amount due! I called and spoke to your representative on XX/XX/XXXX and was assured that the late payment fee would be removed we both figured that the US Mail was the culprit in taking so long to deliver my check. 

The next statement arrived covering the period XX/XX/XXXX XX/XX/XXXX. The only amount I should have been charged is {$21.00} a legitimate charge. But what do I find! 
Not only has the {$22.00} late fee from the previous month not been removed ; there is an additional late payment fee of {$36.00} assessed. So I call TD Bank again on XX/XX/XXXX, speak to a representative named XXXX, who assured me that the late payment fees would be removed. I asked why it hadnt been resolved from my first call, but she didnt know. 

Late payment fees not removed on statement of XX/XX/XXXX XX/XX/XXXX. Hmmm. 

Just received statement of XXXX XXXX XXXX, XXXX. The only amount I should owe for something I actually purchased is {$21.00}. But the amount due has risen to {$130.00}!!! 

This is outrageous! Ive also received two dunning letters, threats actually, which are enclosed for your reading pleasure. 
Bottom line. Please correct this mistaken and usurious accounting error. Im sure there was some mistake in assessing such charges. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TN

Complaint narrative:
I am a victim of identity theft. I have filed the correct paperwork and sent it to the credit reporting agencies. They have not processed it correctly and have not attached the paperwork to my disputes correctly per the FCRA. Also, I have asked for copies of the verification per the FCRA and not gotten that. 

These are the accounts.. 

Bank XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I ordered two XXXX  gift cards from XXXX in XXXX and totally forgot about them. Recently I found them and planned to use them. I was able to activate one of the gift cards, but not the other. The problem is a dilemma : the XXXX gift card has expired, so it couldn't be activated ; since the card is not activated yet, it has no funds applied to it and I couldn't get a replacement card. 

I contacted both the merchant XXXX  and the card distributor Blackhawk Network/GiftCardMall.com , but both parties just passed the buck to each other : XXXX said since the card is managed by GiftCardMall, I should ask them for help ; GiftCarMall said since the card is not activated, I should contact Staples. 

Below are the actions I have taken so far : On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com to activate the card and couldn't activate it. 

On XX/XX/XXXX, I called XXXX and an associate asked me to call the number on the back of the card and ask for a replacement card. 

On XX/XX/XXXX, I called the number on the back of the card and was told that the card is not in their system since it has not been activated. They asked me to contact XXXX. 

On XX/XX/XXXX, I chatted with XXXX, and was asked to contact Blackhawk Network/GiftCardMall.com at XXXX. 

On XX/XX/XXXX, I called Blackhawk Network/GiftCardMall.com at XXXX, and the CSR first escalated the case to his manager and then his manage transferred me to another department. This department then transferred me back to XXXX. Finally, XXXX transferred me to Blackhawk Network/GiftCardMall.com again . 

To summarize, I paid this XXXX gift card for {$200.00} and the terms and conditions say that the funds never expire, but now I get nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I recently received a copy of my XXXX, Equifax, or XXXX credit report, and I noticed some closed collection accounts posted on my credit report : *XXXX XXXXXXXX Account # XXXXXXXXXXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

Company response to consumer: Closed with non-monetary relief