vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Medical debt that was turned over to credit bureau of Georgia they took direct payments from my account then stopped thought everything was paid but it's not but it's also under XXXX dollars I was under the impression that medical debt was removed from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX, I saw that app XXXX XXXX on Tuesday XXXX XXXX. I open the app to see what it was about and I was prompted to take a quiz. After answering the question, the option for time frame and cost appears, I choose the {$2.00} a week. It was not stated that any money was being taken immediately, most certainly not for the entire year. I had the subscription cancelled and After seeing 1st {$71.00} declined and then {$17.00} being stolen from my CashApp account. I was lend to believe nothing upfront and if so {$2.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was discriminated against at M & T bank, the manager denied me of withdrawing my funds for no apparent reasons. He told me he won't pay me this is above his pay grade. He froze my account and blocked my debit card. I told him the wire came from my other account and I can show him all the details along with my online account. He said he doesn't want to see anything and he threatened to call the cops on me.

At this point I have things to do financially, everything is on hold for me. I have called the call center and various M & T branches to have it resolve, no one seems to help. I also left numerous messages for him to call him, up to now no call back.

The manager name is XXXX. I have also attached my verification letter from my other bank account where the funds were original wired from. 

address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
each time I send a dispute letter to the credit bureaus they either dont reply or they send back a letter stating they couldn't find me. Even though I provide my full name, address, and SSN #.

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 2023-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I reached out to Shellpoint Mortgage on XX/XX/XXXX when my mortgage was only 21 days past due. I spoke with a representative who submitted a 3 month forbearance that only required a verbal request from me ( no paperwork needed ). She stated that a decision would be made in 48 hours. I never heard back so I called again on XX/XX/XXXX. The new rep said that he didnt see a forbearance request so he will submit a new request and again to call back in 48 hours to see if a decision has been made. I called a week later, around XX/XX/XXXX. A new rep said that they mailed out a packet for loss mitigation that needed to be completed and I would hear from XXXX in the loss mitigation department. I never heard from anyone so I returned the packet on XX/XX/XXXX. I called on XX/XX/XXXX to see if they received the packet and they explained they would need income documentation and a new packet filled out. At this point I believe the mortgage company is giving me the run around, they will not return my calls or make a decision regarding my forbearance request, causing me to get further behind ( now due for 3 months ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Theft via Capital One who allowed an account created in my name on XXXX. 

I was alerted and they canceled the account, saying was FRAUD. 

But they have Hard Inquiries on my account from that day. I put FRAUD ALERT on all Credit Bureas ; however they allowed another HARD INQUIRY on XXXX. 

They say it takes a lot of time to remove these things, but XXXX finally told me to file this report. 

They should be sued for allowing a second attempt without calling me due to the FRAUD ALERT, which is also now a Security Freeze. 

Thank you kindly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
each time I send a dispute letter to the credit bureaus they either dont reply or they send back a letter stating they couldn't find me. Even though I provide my full name, address, and SSN #.

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 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding a recent issue I experienced with TD Auto Finance in relation to an auto loan extension. I believe that the company 's actions have caused undue stress and financial inconvenience, and I request your assistance in resolving this matter promptly. 

On XX/XX/2023, I utilized the TD Auto Finance website to request an extension payment for my auto loan. The website allowed me to process a {$50.00} payment and even calculated additional interest on my loan balance. I assumed that my request for an extension had been approved and processed accordingly. However, to my surprise, approximately two weeks later, I received a notification stating that I had a missing payment on my auto loan. 

Immediately upon receiving the notification, I contacted TD Auto Finance 's customer service to inquire about the discrepancy. To my astonishment, the representative informed me that despite the website granting me an extension and processing the payment, I did not actually qualify for the extension. I was further told that the website should not have allowed me to request an extension in the first place due to my ineligibility. 

This situation has left me in a state of confusion and financial distress. I acted in good faith by using the TD Auto Finance website to request an extension, and I assumed that my request had been approved based on the payment processing and the additional interest charges. However, it appears that the website 's functionality and the information provided were misleading, leading me to believe that I had met the necessary criteria for an extension. 

I am writing to you today to seek your assistance in resolving this matter. I firmly believe that TD Auto Finance should honor its original commitment, regardless of any errors on its part. The company 's failure to properly communicate its eligibility requirements and the subsequent contradictory actions on the website have caused me significant inconvenience and financial strain. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and work with TD Auto Finance to rectify the situation. Specifically, I ask that TD Auto Finance be required to honor the extension that was erroneously granted to me through their website. This would provide a fair and equitable resolution to the matter, alleviating the undue financial burden that their actions have caused. 

Thank you for your attention to this matter. I appreciate your dedication to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to your prompt response and a positive resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. XXXX XXXX DEALER SERVICES Account number : XXXX. Remove this account because you are reporting a 90 day late on XX/XX/XXXX with the date of last activity being XX/XX/XXXX while XXXX states the date of activity being XX/XX/XXXX Furthermore this vehicle was deemed a total loss by more insurance in XXXX of XXXX and I surrendered the vehicle to insurance the same month. I was not in charge of making the payments from the XXXX forward I have proof that it was totaled As attached Cam Number : Date of Loss : Insured Name : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX : I am still investigating the above captioned incident. XXXX I am able to bring this matter to a conclusion I need the followin. 
Your total loss settlement. 
intend to conclude this matter as soon as dossiole. 
If you have any questions, I can be reached at XXXX extension XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been dealing with the Bankk OF America Thieves for over 30 years never have I ever dealt with such BULL and lies from any bank. I was informed that a fraudulent check was deposited into my account while being out of town on XX/XX/XXXX and my account was shut down while out of town. The uncaring XXXX had the nerve to tell me that my account was going to be closed because I commited fraud. I'm not the smartest person on earth but I do know that if I committed fraud I wouldn't have waited 30 years to do so ... XXXX XXXX XXXX  XXXX  ... .I should have listened to ppl when they tried to warn me about this trifling bank of thieves but I didn't and this is why I'm in this situtation. I'm tired of asking for my money that belongs to me now on XX/XX/XXXX they finally sent my check out after already causing me to go into a Eviction Status where I live and I have never once been late on my rent in 5 years and I want BO Thieves to compensate me for the incomentence and neglignce. When I received this check that I supposed to have deposited the Signature didn't match mines - 1st Red Flag, The amount of the Check - @ nd Red Flag, XXXX signed the check using my name and writing For Deposit only was the 3rd Red Flag In 30 years I have always signed my checks with my Signature and my acct # and the last Red Flag was the incompentent employee that called me and stated the deposit was made outside of my normal region that I deposit in all these Red Flags but I'm responsibe. I want my money to me no later than XX/XX/XXXX or I will sue for pain and suffering and causing me to go into an Eviction Stage when all you idiots had to do was return my money to me in the amount of {$2500.00} which I still don't have since XX/XX/XXXX. Sure the post office may have lost my check but had you never caused anny of this bull I wouldn't be in this mess. I called the post office and they said you can track the check which your lazy employees refuse to do. I'm tired of your excuses eiter have my money to me in full on XX/XX/XXXX or be prepared to be sued for paid and suffering and my money. I will walk into the bank and get my funds in Cash or I will contact a lawyer to make an example out of you for playing with my funds and telling me I have to wait 121 days for the check to be returned that's your problem not mines. I will be telling the ppl when I go to Eviction Court this is all your fault Ban of Thieves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I've purchased a {$500.00} worth Vanilla visa gift card. Which not working anywhere when it's checked its showing my card is hold contact with support by call, then I called them was able to connect with someone after around 1hr then he checked & told me for try it later. few times I did same things & got same suggestion from them. 

My card number is listed below. 

XXXX XXXX CVV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments. 

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief