vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
On XXXX Simmons Bank posted someone else 's check to our account and withdrew {$670.00}. We contacted them 3 times and asked that they show up that the money was redeposited back into our account. They said it was taken care of and there was no audit trail that would confirm that the money was redeposited back into out account. They said they just wiped out the check and all was okay. How can a financial bank manipulate my account and have no audit trail? I do not know if they added the {$670.00} back into my account or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've recently begun a search for a better apartment in a safer neighborhood. Last month, I applied for a property on XXXX XXXX in XXXX XXXX. My report was made available. My score was XXXX. That property was already rented. Two weeks ago, I applied for another apartment, on XXXX XXXX in XXXX XXXX. My score, according to Transunion XXXX XXXX XXXX XXXX is now XXXX. More than a XXXX point drop. One " Collection '' has been added. But the alleged creditor is three letters smashed together. The source of this item is in XXXX. I believe another " collection " has since been added, also sourced in XXXX. I've tried to contact the Transunion XXXX XXXX XXXX XXXX  at XXXX, regarding Case # XXXX, several times. In all cases the alleged agent is ( possibly ) oriental. The discussion attempt is entirely unintelligible. I am XXXX years old and have a minor hearing impairment. The agent, XXXX XXXX offers a " U. S. Agent ''. Then the line goes to loud music and eventually dead. I have visited XXXX. The utility companies there are rife with scams. Typically, as happened with me, the customer brings in his equipment ( if any ). He pays his final bill. But, is told he will have to have an interview appointment to completely close the account. Usually the customer is not given any appointment. My translator was with me and said this is ordinary for both visitors and residents. A small, phony, charge is made without the knowledge of the customer. Late charges and collection fees are added and years later a collection is filed. The customers credit is ruined and payment is demanded. I will have to stop my property search until this criminal organization agrees to delete this {$80.00} item and any others that have come in. Transunion is apparently part of these scams.

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 2023-03-16 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: MT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXXXXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXXXXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, 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 2023-03-16 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX  aka XXXXXXXX XXXX Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXXXXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX aka XXXXXXXX XXXX  Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXXXXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, 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 2023-03-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was charged {$640.00} and {$640.00} on XX/XX/2023 from 2 different XXXXXXXX XXXX stores in Georgia. I saw the pending transactions on my phone app and immediately called TD Bank. they canceled my card. They were not able to file a claim until the charges posted. I called each of the XXXX stores and told them someone fraudulently used my card online and was planning on picking up the products physically in the store. They didn't believe me and hung up. So I waited until Tuesday since Monday was a federal holiday and TD filed a claim. They mailed me a letter stating that the transaction appears to be authorized by me since the thieves had my email and phone number. I have a XXXX  store and my email and phone number are listed publicly and easily found. I do not live in Georgia and can prove I was in NY at the time of them picking up the product in these stores. I would think you can get access to the videos from the stores to show it was not me. They also used 2 different stores instead of purchasing both from the same place.TD said they reached out to Visa and that since the merchant XXXXXXXX XXXX was able to show that the order had my email and phone number attached to the order that I did indeed make the purchase. I DID NOT!!! Please help me prove that I did not authorize this purchase. {$1200.00} is a lot of money that i am out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX ) accounts # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX- ( XXXX ) accounts # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX- account # XXXXXXXX XXXX  XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXXXXXX XXXX- account # XXXXXXXX XXXX XXXX XXXXaccount # XXXX NXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX- account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have a Wells Fargo auto loan that Ive had since XX/XX/XXXX I contacted them today cause I notice they have been charging and tacking on XXXX dollars and some change every month to my car loan payment I spoke to representative asking why are they charging a late fee for XX/XX/XXXX if the date hasnt even got here and they are already charging me fees. Its no telling how many times they have done this in the past and I am just now noticing.

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 2023-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting everything must be true and 100 % accurate.

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal.

15 U.S.C 1681 section 602 A states I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting everything must be true and 100 % accurate.

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal.

15 U.S.C 1681 section 602 A states I have 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.

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 2023-03-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or the list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been with Capital One for their credit cards since XXXX. I have received one credit line increase for {$100.00} and have requested a credit line increase once every year for the last 3 years. I have been denied ever since XXXX, I have never been late, I have paid before the due date and over the minimum amount due for years. Each time I have requested an increase they have used different excuses to deny me. I requested another credit line increase in XXXX of XXXX. When speaking with the supervisor, I questioned on why I was denied a limit increase and even she couldn't understand the denial when she read over my credit history with this financial institution. Not only do I have a credit card account, I have a checking and savings account with them. As previously mentioned, I have made payments in a timely manner, above the minimum amount due. The payment due date of the card is the XXXX of each month. When I make the call to Capital One to make a payment, usually on the XXXX or the XXXX of the month, they are instructed to contact my personal bank to get the funds to make the payment. This is how I know that my payments are on time, and I have my statements as well. There is no justification as to why I have not received more credit line increases. This matter needs to be investigated further. Especially when I have another card with my personal bank and was successful. I also, noticed on my credit report Capital One has reported three late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX transfers Date : XX/XX/2023 Total amount : XXXX Bank : Capital One Description of Incident I received an alert on my XXXX about an XXXX XXXX credit card charge to XXXX with a phone number claiming to be XXXX Customer Service for questions. Not recognizing the charge, I clicked on the linked phone number to call and was connected to a representative claiming to be XXXX. He told me it was an improper transaction and that all my accounts were compromised. He said he would help protect my accounts and that I should I download the XXXX  app to my phone, which I did. He told me criminals were using XXXX to take money out of my accounts. He instructed me to enable XXXX on my bank account so that I could decline the fraudulent transactions. He then had me send money to " myself '' to undo the " fraudulent '' transactions. It appeared to me that I was sending money to myself but, in fact, I was sending money to the fraudsters under XXXX name XXXX XXXX. I did see this name on my screen but the representative explained that this was his supervisor. He then instructed me to do the same on my husband 's phone because we had a joint account, so I did. In total, there were 4 transactions totaling {$3400.00}. He then instructed me to download a cryptocurrency app. At this point, I became suspicious and ended the phone call. I then realized I had been scammed and immediately called my bank, Capital One, to report it. Capital One denied the claim because Capital One did not make an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This account was opened fraudulently i Did not give medicine to anyone to open this account under my name or Social Security number Continuing to keep this account open will result in a lawsuit

Company response to consumer: Closed with explanation