vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. 
After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. 
I trust USPS service in my area because I never miss a letter in over 3 years. I also searched online, there are several victims who have exactly the same experience with me, and some of them still have not got the money back yet. Consequently, I believe there must be some issue on US Bank side.

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 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I obtained a copy of my credit report and noticed a credit card on my report that i did not apply for and had no knowledge of, it is fraudulent and i need it removed as soon as possible as it is affecting my credit and well being, i noticed this fraudulent account XX/XX/2023, XXXX XXXXXXXX XXXX the amount is XXXX $ i have contacted XXXX XXXX  and have not been helped in any way

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 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I got a loan from speedy cash of XXXX tx in XXXX 
I paid it off in two payments within 35 days. I never heard from them. All was well, so I thought. Months later I received a notice on my credit report that speedy cash has sold my debt to a collection agency and it is now showing up on my credit report. Speedy cash can not attempt to collect a debt that has been sold. This is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am a victim of identity theft. I did not make or approve these transactions reported by Midland Credit Management. I don't know how my information such as, my social security number, address and ID was obtained while I'm in possession of my information. I suspect it was someone close to me obtained my information and used it fraudulently. I have a lot of accounts on my credit, but the transaction reported by Midland Credit Management are unauthorized, and this whole situation is ruining my credit and disrupting my life greatly. Please help me take care of this problem immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-06 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: Lewis, McDonnell & Associates
State: LA

Complaint narrative:
As of XX/XX/2023 this company is still reporting a false account on my credit report after stating that they would have it removed it from 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
please this accoun is need to remove for my credit report pleaseeee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
We went through an investigation with Wells Fargo several months ago. Unfortunately the thorough investigation only began after the CFPB became involved. After a month long investigation in a XXXX scam, Wells Fargo stated that they could not return our money because it was authorized by the customer. 
Our biggest concerns about this entire situation were that Wells Fargo never warned/informed us as customers about the ongoing incidents with the XXXX scam , that had been taking place throughout the country for over 9 months. They began their XXXX Scam Campaign 2 weeks after we were scammed. 
Our other primary concern is regarding their reading for not returning our money, again stating that it was authorized by this customer. How can something be authorized when it is a scam? I did not authorize someone to steal {$3500.00} from our accounts. I would never authorize someone to take {$3500.00} from my familys savings account. 
The scammer called from a Wells Fargo number. 
When asking Wells Fargo about insurance that covers such fraudulent behaviors and scams, they stated that insurance covers frauds, not scams. 
Wells Fargo stated that they would also follow up with the bank that the money ended up going into to try to get our money back, and we have heard nothing from Wells Fargo since that time. 
We were never warned about the possibility of such a scam prior, though Wells Fargo was well aware of this and they did not protect us from this scam afterward.

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 2023-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I opened a line of credit with Affirm on XX/XX/XXXX for a vacation with XXXX. The same day the vacation was canceled. I received confirmation the vacation was canceled and a refund was issued. A few days later Affirm confirmed the loan and charged me for the full amount of the vacation. They verified {$1300.00} was refunded but have not credited my account and they continue to charge me for the full amount of the vacation which was over {$2400.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: I.C. System, Inc.
State: GA

Complaint narrative:
This is not my debt yet is on my credit report I am a victim of identity theft. I currently am dealing with having to file complaints against the 3 credit bureaus for allowing and continuing to allow incorrect and false information to be placed on my report. I live in XXXX this credit agencies refuse to provide me with proof of how they verified this account. This agency is licensed in XXXX  and should not be reporting a past due balance on a collection account that does not belong to me on my credit report. How can a collection have a collection on an open account that is past due? They should find the party responsible and ruin their life not mine. I'm sure who ever sold this debt to them has written it off so they should try to have that company provide them with the correct debtors information. This needs to be removed permanently and 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 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
XX/XX/XXXX I called TransUnion about my TransUnion CreditView credit score. The credit balance they had listed for me, and what determines my credit score, was incorrect. They said the credit balance on XX/XX/XXXX was {$3500.00}. I had paid that balance on XX/XX/XXXX. 

I called TransUnion to tell them their current credit balance was incorrect and told them what the XX/XX/XXXX credit balance was, which was {$14.00}. They took offense when I told them their current balance was incorrect. They insisted the current balance of {$3500.00} was not incorrect. Over and over we went about this with TransUnion taking offense when I said the current balance they had was incorrect. It was annoying to talk with the TransUnion agent due to her behavior and comments. 

I asked TransUnion where they got the {$3500.00} current balance from, and was told that was what my credit card company told them. I asked when they were told that was my current balance. TransUnion said they were told on XX/XX/XXXX by the credit card company. So that was that, and it appears TransUnion isn't going to do anything. 

XX/XX/XXXX I checked my credit score using XXXX. For XX/XX/XXXX XXXX had my credit balance at {$110.00}. This is correct as this was my balance on XX/XX/XXXX. 

Now these are apples and orange comparisons. XXXX 's XXXX credit history is up to date as it uses XXXX 's data. TransUnion 's XXXX credit history is supposedly based on XXXX data. 

Why I compared two credit agencies was to check if my credit card company was providing bad data. It appears not, as the XXXX data from the credit card company is correct. The problem appears to be with TransUnion, even though the TransUnion agent blamed the credit card company for the current balance number. 

TransUnion runs a credit score monthly and I get a notification when they do so. But TransUnion doesn't ask the credit card company monthly what the credit balance currently is? How can anyone trust TransUnion 's credit score? 

Is the credit card company- in this case XXXX - required to give out an accurate credit balance to TransUnion, or some sort of balance whenever XXXX feels like it? 

Shouldn't TransUnion have to listen to people who tell them about an inaccuracy in their credit history, and not blow off those people when they do so?

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 2023-03-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from Toyota Financial Services, XXXX XXXX, XXXX XXXX, and XXXX. 

I am highly disappointed that Toyota Financial Services failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. XXXX XXXX XXXX XXXX XXXXr/Claims Resolution Representative, XXXX XXXX , informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. 

Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. 

The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. 

I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TN

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 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 explanation
Consumer complaint received 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$240.00} CXXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}

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 2023-03-06 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: CA

Complaint narrative:
Im submitting a complaint again to you today to inform you I was the victim of identity theft. This is my follow-up complaint prior to my previous attempt dated XX/XX/. 

The accounts I am challenging are erroneous and misleading. I need those accounts removed ASAP. 


Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX .... Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$290.00}

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 2023-03-06 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TN

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 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