vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
These accounts are not mine. Restrict these accounts immediately. I have the right to privacy and have never done business with these companies. 

I deliberately and freely choose to write this letter. I've found that my credit reports contain inaccuracies, and the FCRA Act mandates that actual people, not computer programs, verify them. I'll confirm by talking to people I know because secondary credit reporting firms ' information is usually inaccurate. I demand that this content be removed immediately. 


XXXX. Offer proof of the debt, such as real accounting.

XXXX. A signed invoice serving as proof of their claim against you.

XXXX. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation. Last but not least, kindly delete the above negative data from my credit report :. I'll go to court if necessary. 



All information must be correct and validated in accordance with 15 USC 1681. None of the aforementioned facts were checked by anyone. They are violating my legal rights. I have a right to privacy, and no one has my consent to share this information. There can be no accounts provided on my report without my express written consent. 



15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 



( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Only AFTER filing CFPB complaint number XXXX in XXXX of XXXX was I able to get Synchrony Bank to accept my XXXX  which was sent to them on XXXX separate occasions. Only after contact with the CFPB did Synchrony Bank accept the XXXX and close the account ( which was in the name of my father and is now in XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NC ) .. On XX/XX/XXXX I received an invoice yet again for a " Membership Fee '' for my fathers account. I called XXXX ( XXXX ) XXXX and entered my fathers account number XXXX XXXX XXXX XXXXXXXX and through an automated response I was told that there " is a {$0.00} balance and the account is closed. '' On XX/XX/XXXX I was sent a new bill from Synchrony Bank with the same account number with {$100.00} XXXX XXXX and {$30.00} past due. This is outrageous and Synchrony Bank was dishonest in their previous response to my original CPFB complaint. They stated that they contacted me and I was unavailable. That is not accurate : They left me a voicemail message which I promptly returned the next business day and they never tried to contact me again. Now they have RE-OPENED THE ACCOUNT, and are sending me invoices, which makes no sense if the account was closed and there was a {$0.00} balance on the XXXX of 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 monetary relief
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct NO. XXXXXXXX XXXX  : {$1000.00} Bonus issue unresolved after Numerous Communications with your bank On XX/XX/XXXX I applied for and opened a Citi Priority account onlineIn A Few Easy Steps from your ad featuring a bonus of {$1000.00} with a deposit of {$75000.00} and on the XXXX day the account time starts for 60 days and a requirement to keep the account open for an additional 3 months. After the 60 days a reward will be applied but the account must stay opened an additional 3 months. The web site application does not contain an award code or application code, just a statement of required activities based on the deposit amount. 

I deposited {$76000.00} on XX/XX/XXXX and at any time the account never went below {$75000.00}. After numerous inquiries about the bonus a award code was entered by the citibank rep and sent for resolution which was repeatedly denied since the award code applied was incorrectly entered since there was NO BONUS code in the application just the RULES. XXXX requests were made and always denied because the code applied was incorrect. 

After numerous verbal communications with Customer Service I was unable to communicate the real problem as your web site for the award does not contain a code or award number just the application and the rules. You can try to make an application from the site to see if a code or transaction will apply to the rules and award. 

I find this process completely inexcusable and decided to terminate my account relationship as of XXXX XXXX ( 6 months of accrued interest ) with your bank as no action on your part was able to provide the satisfactory resolution and will place my {$75000.00} in a bank that will honor the rules of a new account offer. Should you wish to make good on your original offer I will revisit applying my money with your bank. 

Sincerely, XXXX XXXX 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 monetary relief
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 1
51.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: PA

Complaint narrative:
Movement Mortgage LLC was disbursed home owners insurance check for XXXX. XXXX has been released after weeks of phone calls and no show, no contact with inspection company. Inspection must be done in order to release funds. XXXX returned phone call last week and put in a direct call to inspection company XXXX XXXX XXXX XXXX ). Inspection company nor mortgage company has reached back out to schedule. Thus withholding funds. I have had to use my personal savings to complete the restoration from the water damage, which has caused me to now fall behind on payments. Am requested that someone reaches out to movement mortgage to release funds that they are illegally withholding so that I can complete the work approved by the insurance company. Please also be advised I have XXXX XXXX XXXX XXXX XXXX XXXX there is black mold present due to water damage. This needs immediate attention to avoid further legal actions. Call placed today advised inspection was scheduled for XX/XX/09, but consumer, me was not contacted regarding this date. XXXX call back requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
I AM XXXX XXXX XXXX XXXX WITH SOCIAL SECURITY AS MY ONLY INCOME.I WAS OFFERED A CREDIT CARD FROM AVANT FINANCIAL CORPORATION. I WAS HAVING TROUBLE MEETING THE PAYMENT DUE DATE. I REACHED OUT TO AVANT 'S CUSTOMER SERVICE TO ASK IF THE PAYMENT DATE COULD BE CHANGED. I WAS TOLD " NO. '' I CONTINUED TO HAVE TROUBLE MAKING THE PAYMENT ON THE DUE DATE BECAUSE I DON'T GET MY CHECK UNTIL THE XXXX OF THE MONTH. AGAIN, I REACHED OUT. THIS PARTICULAR CUSTOMER SERVICE WAS VERY RUDE TO ME, STATING THAT I COULD TAKE MY COMPLAINT TO THE CORPORATE LEVEL AND THE ANSWER WOULD STILL BE " NO. '' I WAS APPALLED BY THE WAY I WAS TREATED, SO I WROTE A LETTER IN XXXX XXXX TO THE CEO OF AVANT, XXXX XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NOT RECEIVED A REPLY. ALSO, BECAUSE OF THEIR BILLING CYCLE THERE ARE SOME MONTHS WHEN 2 PAYMENTS ARE REQUIRED. I'M HAVING DIFFICULTY MAKING PAYMENTS. THIS COMPANY DOES NOT SEEM TO WANT TO WORK WITH THEIR CONSUMERS. THEY ALSO DO NOT SEND REMINDERS WHEN THE ANNUAL FEE IS DUE WHICH CAUSED MY AMOUNT OWED TO BE IN THE RED!! OTHER CREDIT CARD COMPANIES HAVE BEEN VERY READY TO WORK WITH ME. AVANT DOES NOT APPEAR TO CARE WHAT THEIR CUSTOMERS THINK. I FEEL AS THOUGH I'VE BEEN TREATED LIKE A " SECOND-CLASS '' CITIZEN. I FEEL THAT I HAVE BEEN DISRESPECTED, BUT, FURTHERMORE FEEL THAT AVANT DOESN'T CARE!! I AM ASKING FOR HELP IN REACHING OUT TO AVANT ON MY BEHALF TO HELP RESOLVE THIS PROBLEM. BY THE WAY I ALSO TRIED TO CALL THE PHONE NUMBER LISTED FOR THE CORPORATE OFFICE IN XXXX. EACH TIME I CALLED I GOT A BUSY SIGNAL. THANK YOU FOR YOUR TIME AND ATTENTION TO THIS MATTER AND FOR YOUR HELP!! IF YOU REQUIRE FURTHER INFORMATION, PLEASE CONTACT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: GA

Complaint narrative:
I pay off this account and I did there's the same day I paid my other credit card off which was XXXX XXXXXXXX ironically make three months later I see that the account is still open and accumulating late fees in which I did not understand why the account was still open when I asked for it to be closed and pay it completely off way in XX/XX/2022 I don't know what in the scam is going on but these people are refusing to correct this information and forcing me trying to make me pay on this account when I reported back in XXXX maybe XXXX sometime that my card was stolen and I never got a replacement card or anything because I didn't want one because I was under the impression that this account was closed not by the the credit card company but by me because I did not know who had my card and I did not want my credit check up so I gave them the amount of money that I owe on the accounts including the balance they know they are wrong and they refusing to fix this and I need help because I am totally right and I have evidence for that it's up you can check my credit statement from the company and you will see that I have paid this account off these people have XXXX XXXX my credit I never been late on a payment and I have always paid my credit card before it was due and this is how they do me shame on them and also they refuse to and notice that I close my account way back in XXXX when I paid this off and they refusing to pick accurate information in my reports but I have a few to prove that I am tired of the running around when I called the company and fix this something has to be done

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hello! 

I have been a customer of nordstrom for over 10 years and typically I am given notification when a bill has not been paid. I was never given notice until 2 months. My automatic payment for some reason was effected. I paid right away when notified but I also had sent money previously and unsure why a late is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
I have submitted a few disputes for unauthorized inquires on my account. I have submitted all the information requested and I have not heard back with an update. These fraudulent inquiries need to be removed per fcra act. This information is not correct nor does it belong to me. I would like to be contact and have these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an auto loan with Wells Fargo, my vehicle was repossessed and when the car was sold there was a surplus that was to be given to me in the form of a check. I never received the check and was told they would send it out again and still I didn't receive anything. I called the auto loan department again to resend the check and they informed me that it had already been cashed, and I informed them I wasn't the one who cashed it and they said they couldn't help me since the check wasn't deposited to my account. When I asked to speak to the check fraud department and they said they didn't have a department for check fraud. The only information they could give me was the check number and the date of when it was cashed. I asked if they could tell me who the check was made out to and where it was cashed so that I could file a police report. They still didn't give me any information and weren't helpful at all. The keep telling me the same thing, and haven't given me any information for me to be able to file a police report. I have been dealing with this issue since XXXX of 2021 and nothing has been resolved.

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 2023-01-17 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: GA

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
RE : Complaint ID # XXXX I just received a letter from TD Card Services regarding my dispute with XXXX XXXX XXXX dated XX/XX/XXXX. 
They state the following : I opened a claim on XX/XX/XXXX in the amount of {$5800.00} XX/XX/XXXX I was issued a refund in the amount of {$290.00} and stated I did call back to dispute the whole amount of {$5800.00} and not just the {$290.00}. According to documentation I disputed the whole amount of {$5800.00} with my first phone call to TD Card Services on XX/XX/XXXX. 
TD Card Services closed the case on XX/XX/XXXX, which was after the 90 day limit. When I called they said it was a mistake and the case was re-opened. TD Card Services said I re-opened the claim when actually I did not re-open the claim, TD Card Services did as they stated to me. Due to an error on their part. 
TD Card Services again went past the 90 day limit. I received a letter ( please see attachment ) dated XX/XX/XXXX stating when I have previously stated. Also please refer to Complaint ID # XXXX. 
I do believe in my opinion that because TD Card Services did not do their due-diligence and went past their deadline to recover the {$5800.00} from XXXX XXXX XXXX, which is stated in the letter addressed to me~ that they no longer have charge back rights. They are discriminating against me even though I have gone over and above of what TD Card Services has asked of me and been more then patient since XXXX regarding this dispute. I honestly thought they would back me up in this dispute as I have been with TD Card Services for many years. 
Please refer to Complaint ID # XXXX for all the documentation and notes regarding this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: WI

Complaint narrative:
The XXXX XXXX was paying for the XXXX  and they deleted the XXXX  before I could complete it. Now I am being charged for a course they no longer have. The pays for XXXX  % percent of my 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 2023-01-17 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: TX

Complaint narrative:
This is my third complaint for Equifax! 
These accounts below are a result of identity theft! 

XXXX XXXX # : XXXX Ive attached all the original documents from my first two complaints and one where XXXX has blocked and deleted the account, there for by law you should do and report the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received my very first commission check in early XXXX. It was for {$3200.00} and it was drawn on a local XXXX XXXX XXXXXXXX account from XXXX XXXX XXXX. You cant get more trustworthy than that but I was told there had to be a ten business day hold until they would release any portion of the funds, even though Ive had a balance around {$30000.00} for a good part of the year. They said the person who wrote the check was suspicious. 

I was able to use my XXXXXXXX XXXX but what if I didnt have those resources available? They would have ruined XXXX and put me in a very bad position with my bills.

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