vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  whose address is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that XXXX credit card account which I have with this bank last XXXX digits # XXXX, is late and past due for the months XXXX and XXXXXXXX XXXX  XXXX.As a result of this clerical mistake my credit score went down XXXX points, and I have lost access to a wide array of financial products previously available to me. All payments on this credit accounts have Despite these attempts, been made and sent by me to XXXX XXXX XXXX  in time. In good faith I have disputed this issue with all three credit bureaus XXXX, Experian and XXXX, asking them to remove erroneous information from my credit reporting files submitted by XXXX XXXX XXXX. Despite all these attempts erroneus negative information stayed in all my credit reports. I also sent a letter to XXXX XXXX XXXX  explaining the situation and asking them to remove erroneus negative information from credit bureaus... I have never received any answer from XXXX XXXX XXXX. I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the facts mentioned above and care for a full investigation.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
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me 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 2024-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield bought debt that a property management company fabricated, and Hunter Warfield contacted me to try to collect on this false debt. I am submitting this complaint because Hunter Warfield does not perform its due diligence before purchasing debt, and it is illegally trying to collect a debt that is not mine from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They opened an account around XXXX in 2023. Portfolio Recovery issued an account on my credit report that has a collection from XXXX XXXX of {$1200.00}. However, I have no I tried to dispute this account because I had no knowledge of opening this account and I have no knowledge of a history with XXXX  XXXX. They also have not provided proof to show that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Complainant, XXXX XXXX, hereinafter referred to as " Complainant, '' alleges as follows : XXXX. On XX/XX/XXXX, while visiting the CITI.com website for the purpose of paying the balance on my existing Costco Citi Visa card, I was presented with an offer of {$500.00} for opening a new checking account. 

2. The terms of the aforementioned offer and the actions of Complainant are as follows : a. Open a checking account between XX/XX/XXXX, and XX/XX/XXXX ( see Exhibit 1 ). 
b. The checking account was opened on XX/XX/XXXX ( see Exhibit XXXX ). 
c. Deposit {$30000.00} into the new account within 21 days, completed on XX/XX/XXXX ( see Exhibit XXXX ). 
d. Maintain this balance for an additional 60 days, completed ( see Exhibits 3, 4, and 5 ). 

XXXX. Upon fulfillment of the aforementioned requirements, CITI was to deposit the {$500.00} bonus within 30 days after the termination of the 60-day period. This was to occur on XX/XX/XXXX. 

4. Complainant has not received the {$500.00} bonus as of today. 

5. Complainant contacted CITI, and CITI replied that the account does not qualify due to timing issues. 

6. Complainant hereby requests the Consumer Financial Protection Commission ( " CFPC '' ) to review this matter and investigate CITI Financial Services , Inc. for potential violations.

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
There are still overdraft fees being charged to my business account daily. This has been going on for several years now. Usually the fees have been refunded per my request since money goes into this account daily. Now the bank is refusing to refund the fees and has told me they made changes to my business account without my knowledge or consent. Here is an example of the fees from the last XXXX  days : RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX BILL PAYMENT {$140.00} PAID {$0.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$9.00} PAID {$35.00} Total Fee ( s ) : {$35.00} Transaction Description Amount Action Fee PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX {$90.00} PAID {$0.00} PURCHASE AUTHORIZED ON XXXX XXXX {$10.00} PAID {$35.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX {$1.00} PAID {$0.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX {$93.00} PAID {$35.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX {$32.00} PAID {$35.00} Total Fee ( s ) : {$100.00} This is a business account with my debit card attached to it. I am currently on XXXX XXXX  with reduced income due to a recent XXXX. I also have huge medical bills to pay now. 
None of this has been taken into consideration when the bank is charging these fees. There is also the issue of deposits and transfers not being posted in a timely manner. The bank is processing transactions and adding fees before posting the deposits.

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 2024-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest credit system did not send any notices about this debt. This debt was previously deleted from my credit report by the original reporter. Two months later it is reinserted with a different collector that didn't send my anything to try to pay the debt, verify, or validate it. They just parked it on my credit report. The credit reporting agency didn't attempt to validate or confirm the accuracy of this debt either just reinserted it in onto my consumer report. On the premise of 15 USC 1692g this should be removed from my consumer report immediately and not be allowed to be reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from EXPERIAN XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on 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 explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
My ex girlfriend evidently put a credit card account in my name without my knowledge in XXXX while she was living with me at that time and I am no longer with her today nor does she live here but since she has been gone I had no idea about this debt or do I own this credit card at all and the only way I found out about this was a warrant in debt to go to court on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a {$2000.00} payment with my XXXX Online account to be paid to my TD Bank Credit Card account. Paper check was delivered and deposited and cashed on XX/XX/XXXX. My card was denied on XX/XX/XXXX for nonpayment. I called and spoke with rep and they were to look into it. Meanwhile, I spoke with XXXX and was told it was sent and cashed out of my account. On XX/XX/XXXX after not hearing back from TD, had spoke with numerous reps and put on hold multiple times, asked to speak with supervisor to start Claims investigation to monies. Was told it would take 3-5 business days before I would know status. Multiple calls and reps after 5th day and again no one could figure out where monies were. Now could take 7-10 days. On XX/XX/XXXX went into XXXX TD branch and after sitting for 1 1/2 hrs to see banker, I gave them an image of check with the information from XXXX that ck had been since processed and assured that someone would look into it on Monday XX/XX/XXXX since now back office/credit card claims was closed. Never heard from anyone on Monday until I called to again check and they advised that they were going to start claim ( again ) and escalate it for investigation and it could take more days. Today XX/XX/XXXX is now past the 10th day since XX/XX/XXXX and have yet to hear where my monies maybe in the TD system. At this time I am extremely frustrated, unsatisfied, annoyed, inconvenienced, and more than concerned by how things have been handled and the amount of time I have spent on the phone to try and resolve this matter. I have multiple accounts with this bank since the day they opened and am very troubled and concerned with the safety of my monies and accounts and why a resolution has yet to be found. Meanwhile, multiple payments have bounced back and are due and I have had to make other arrangements with these accounts. And from a letter dated XX/XX/XXXX, TD is charging late fees and interest for overdue fees and will report to the credit agencies since not receiving payment. I need further assistance at this time to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Please remove these deceptive accounts from my credit report as I never authorized their use. Kindly eliminate this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, I am XXXX. I have gone to XXXX 's XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing XXXX hard queries. XXXX of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This company refuses to provide a validation of debt and claims that the inaccurate reportings ( that was originally outlined in my report ) is not their fault, it inaccurate reportings are found. This collection agency is seeking payment for an account they have no proof belongs to me, an account with contradicting payment history such as payments reported as paid on one credit reporting agency while those same months are reported " missed '' on another. This is extremely predatory and against the law. Please investigate this. 

please look at the files attached for further context.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I urgently urge you to promptly remove the unauthorized accounts from my credit report, as I did not authorize them and they are causing me considerable distress. Please rectify this error swiftly.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's unfair that I've consistently made on-time payments for this account and have never been late. Please correct my account to accurately reflect this.

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