vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 Bank of America XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted XXXX XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.

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 2023-03-28 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account number XXXX has violated my rights.15 U.S.C Section 602A states I have the right to privacy. 15 U.S.C Section 602A states a consumer reporting agency can not furnish an account without my written instruction in this case 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 2023-03-28 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: FL

Complaint narrative:
Account name: XXXX XXXX XXXX
Date Opened: XXXX2016
Balance: XXXX

Account name: XXXX XXXX  Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: FL

Complaint narrative:
Account name: XXXX XXXX XXXX
Date Opened: XXXX2016
Balance: XXXX

Account name: XXXX XXXX Bankruptcy

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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
CREDITOR : XXXX COLLECTION : LVNV FUNDING LLC CREDIT BEREAU ; XXXX, XXXX, XXXX XXXX XXXX AMOUNT : {$710.00} I recently pulled my credit and saw a Discrepancy that was reported on my credit files that I have no knowledge of this account I would like this account removed from my credit file due to the fact of identity fraud. I reported this account to the credit bureau 's in i didn't get the respond or verification of my identity to saying this account belongs to me. my rights is being Violated under the fair credit ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: FL

Complaint narrative:
On XX/XX/27 I received the payoff amount from a VW dealership and confirmed with both the dealership and VW credit that this is the payoff amount when I traded in my vehicle at any dealer. When I tried to trade in my car, VW then sent a payoff amount for fair market value which was $ XXXX over the payoff amount originally sent to me in writing. I could then only sell the vehicle to their dealer for even less than I was being offering in trade value. Then when I sold it the dealer took an additional {$500.00} off which they did not inform me about until I was signing paperwork. To me this is deceptive and when I spoke to them they stated it could take up to two months for them to send me the equity check. Now they will have the car in their possession for however long it takes for them to send me the check so they will essentially have use of a car that I am not being paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have had a problem with my Wells Fargo Saving Account. Around XX/XX/XXXX, either XXXX XX/XX/XXXX or XX/XX/XXXX, I noticed my account funds were low, so from my XXXX XXXX XXXX XXXX ( XXXX  ) Checking Account, I did a bank-to-bank transfer of {$50.00} to my Wells Fargo ( WF ) Savings account. I also asked WF to make this transaction recurring so that I was slowly saving each month. The money was pulled from my XXXX  Checking account within a few days. However, on XX/XX/XXXX, after already instituting the transfer and being processed with my credit union, Wells Fargo let me know that they had closed my account due to the low balance, on XX/XX/XXXX, I got an email that my transfer was canceled. However, Wells Fargo initiated the {$50.00} transfer out of the account, but never transferred the money back to my XXXX account. I called Wells Fargo on the XXXX XXXX XXXXXXXX to ask what would happen to my transfer, and the person on the line assured me they could see the transfer was successful and it would be transferred back on within the next few weeks. After two weeks, it had not reappeared in my XXXX account. At first, I thought this was a XXXX XXXX issue since Wells confirmed it would transfer out, so I called XXXX on XX/XX/XXXX and XX/XX/XXXX, and they were able to do an investigation that showed that Wells Fargo was the requesting party and that they never initiated a transfer back to their bank for me. They were able to give me the ACH 'tracking ' number that Wells Fargo used out of my bank. I called Wells Fargo back on XX/XX/XXXX, and after 51 minutes with an account rep, they said they could still see my {$50.00} in the closed account and would submit a ticket. After a week of still not getting it back, I called on XX/XX/XXXX, and again for a total of 90 minutes on XX/XX/XXXX, where I was told a supervisor would become involved and I would get a callback. Shortly after, I fell ill with XXXX, and a supervisor never called to connect with me. I called again in XXXX, around the XXXX, to see where I was and was told again a supervisor would call me, but have never gotten a call again.

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 2023-03-28 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
My dispute is with Chexsystems for continuing to report a debt owed to XXXX of {$940.00}. Chexsystems continues to report this debt owed, yet had been shown repeated proof that I signed onto the account of my mother-in-law who is deceased in order to help manage her estate. I did not become personally liable for the debt. Moreover, and insultingly, I continue to maintain an account at XXXX. If XXXX had an outstanding debt with me, would one think they would let me keep a current account with them? This is outrageous conduct by Chexsystems and only adds to the difficulties with my mother-in-law 's passing. My mother-in-law 's old debt is the ONLY negative report on my Chexsystems history and is singlehandedly prevented me from opening another checking account.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove all fraud alerts and extended fraud alerts from my credit TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove all fraud alerts and extended fraud alerts from my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been trying to dispute this since turning XXXX XXXX XXXX. I have a credit account showing on my credit profile which I wouldve had to of been XXXX of the time of it opening. I have filed an identity theft report and they fail to even look at it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/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 2023-03-28 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RE : LVNV FUNDING LLC, C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ACCT # XXXX ACCT # XXXX AMOUNT : {$890.00} DATE : XX/XX/XXXX This complaint is regarding the above-referenced debt in dispute. I am a victim of identity theft, IRS, and Tax Fraud which caused the IRS to send me a " Pin Code '' for tax-related submission purposes. In XX/XX/XXXX, after years of fighting and getting back on track, I decided to check my annual credit reports. Unbeknownst to me, I noticed that LVNV Funding collection company had a collection account on my credit reports that belonged to someone else. I had never had a XXXX XXXX XXXX credit card. I tried to call this company and get a solution to this fraudulent act but to no avail. 

I am disputing this debt because I do not owe it. LVNV FUNDING MUST STOP reporting it to the credit reporting agencies and ask them to delete it from my credit reports. 

Reporting information THEY know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive e-mails or letters concerning this debt that I do not owe to their client after this complaint from such a collection company. The Fair Debt Collection Practices Act requires LVNV FUNDING to respect this request and cease all communications. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a 1099-C, Discharge of Debt, on XXXX XXXX, from Bank of America stating they discharged {$13000.00}. Date of identifiable event was XX/XX/XXXX. I called the number provided, XXXX, and spoke to their agent. She said the associated debt was from a credit card that I opened on XX/XX/XXXX. I have not received a single notice or bill from BoA during the last 12 years. I told the rep that the Statue of Limitations in Mass. was 7 years, and we were well past the dead-line. she said you have to contact your Attorney or Tax Accountant. I told her your the ones that made the mistake, and that they should issue a corrected 1099-C, She again stated there was nothing she could do, so I requested that she send me a copy of all the account charges and the source, and gave her my new address. After about a month I called back because I had not received the requested information. I spoke to another agent, who informed me they don't have any records of my debt. I then asked the agent if I could speak to their floor Manager, XXXX, who again reiterated that they have no records to send me. I really believe that this debt can not be legally collected, then it can not be cosidered forgiveness of debt. I have been retired for 7 years, and this much implied income will cause a real strain on my finances. 

Thank you. 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 2023-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
As of XX/XX/XXXX I hired a debt consolidation company called XXXXXXXX XXXX XXXX to handle the credit card that I have with GoodYear Citibank. I hired a debit consolidation company because I have been going through a divorce since XX/XX/XXXX. I also have a court order showing that I have a trial date on XX/XX/XXXX and this is a joint responsibility to be divided or paid fully by my soon to be Ex-Husband. 

I have attached a copy of my court order and the summons they sent me. I will also be reaching out to the court house and send another copy of the court order to them. I am not able to settle this debt until my divorce is finalized and I know what I will be awarded.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
UNRECOGNIZABLE & UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  on XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX TD bank USA on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I received a letter in the mail at my old address that stated that someone without my permission or authority applied for a Goldman Sachs Apple bank card. The letter stated that the application was reviewed and was denied because " there is an alert or freeze on your credit file ''. I had no knowledge of this application and did not authorize anyone to apply. I am a victim of identify theft and have had numerous attempts made to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent several letters to XXXX XXXX XXXX on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.

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 explanation
Consumer complaint received 2023-03-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello : The issue I am having with Bank of America is not actually a credit reporting but actually, being reported to XXXX XXXX. I have been a BOFA client for XXXX  years and on XX/XX/2022, there was check fraud on my account. I immediately called BOFA to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by BOFA that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to XXXX XXXX anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from XXXX XXXX even though the account has been paid back by my own funds. I would like to have BOFA remove me from XXXX XXXX. Thank you.

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