vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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: FL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-11-10 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: MO

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 USC 6802 B. XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: MO

Complaint narrative:
XXXX XXXX XXXX is in violation of 15 USC 6802 B. XXXX XXXX XXXX said that I opted in to have my information released however they never told me or gave me the option to opt out. This is a violation of the privacy law.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.

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 2023-11-10 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Lender submitted hard inquiry... Without request from me..

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one - 5 cards out in my name XXXX. My child support card took My daughters and my information. XXXX they used for purchase account.closed. XXXX my oldest credit card I had to close I have an unknown auto loan in name also I come up on a mortgage I was never on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian and XXXX is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have not received a direct deposit from Social Security that is due soon. I realize there is a issue but what about us who must pay bills. Are we left hanging out to dry and start loosing everything??

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 2023-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: MO

Complaint narrative:
I emailed and called Explore Credit to revoke my automatic ach payment authorization with them and they continue to charge my account. In order to avoid a stop payment, they have also now split my payment into two payments. Since the time I originally contacted them, they have charged me an additional {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I got an alert in XXXX around owning a first installment for an XXXX Account. I have never ever applied for the account or shopped at XXXX in the amount of XXXX. I got an email that I was approved for XXXX. When I reached out to XXXX, the only message I got was you open the account and now you have to pay it. I sent an email to them with all my information to confirm my identify and asked what information was used for credit line approval. Now my fraudulent affirmed account is impacting my credit due to it being 60 days late. In principle, I could probably pay this but my concern is this could potentially happening to other people. It would be great to understand from XXXX  what was used for approval so I can make sure I lock down those identity markers to stop this from happening. Also, what was brought and where was it shipped so I can see where the fraudsters are. I am hoping you can help with 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 explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have Synchrony Bank credit card which is offered by Venmo. My due date is always the XXXX of the month. On XX/XX/ I made a payment amount of {$8200.00} ( balance of my last statement ) much earlier than due date to bring up my available credit and continue to make purchases with my card. Usually, it takes two days for the payment to be posted. So, today on XXXX, I checked the account and of course the payment was posted and the balance was decreased accordingly. However, the available credit was not increased at all. This has never happened to me. So, I called the customer service and they said that I had to wait for two weeks ( till XXXX  ) before I could see the available increase in my credit card as that's their policy when large payments are made on an account. Well, it's not my first time I am making payments like this. My credit limit on this card is {$15000.00}. So, an {$8000.00} payment is not that significant. I have never missed a payment on this card and never had a late payment on it. If I was aware of this policy I would have not made an early payment and I could still use my funds. Why I was not getting a prompt when I made the payment that the available credit would not be there for two weeks. And their customer service didn't offer anything other than saying " that's our policy ''.

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Discussed with Wells Fargo over 10 years ago after I had closed my account inquiring if any action or additional charges were pending on account. Wells Fargo stated my account was closed and clear without any delinquencies. I received a callXXXX from a process server stating I would be served papers. They stated my account was sent to their federal financial team due to a possible overdraft and will be suing me.

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 2023-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Continental Services Group, Inc. d/b/a ConServe
State: PR

Complaint narrative:
I obtained a loan from the Small Business Administration ( SBA ) on XX/XX/XXXX for the quantity of {$25000.00}. The monthly payment amount was {$93.00}. 

Covid hit and I was unable to make payments on the loan due to economic difficulties. On XXXX XXXX, I reinstated my loan payments. 

Nonetheless, the US Department of the Treasury, Bureau of the Fiscal Service referred my small business administration account to the collect company called Conserve for collections. 

Two weeks ago I contacted Conserve and informed them that I was going to make the payments, but I needed a payment plan. 

I must mention that since XX/XX/XXXX the US Department of the Treasury, Bureau of the Fiscal Service is debiting from my Social Security the amount of {$100.00}. 

Nonetheless, Conserve is continuing harassing me and telling me that they are going to be suing me for the amount owed, and they also increase the amount of the loan ( $ XXXX increase ). 

I need CFPB assistance in order to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: DE

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Hatfield, Inc.
State: FL

Complaint narrative:
understand my frustration and confusion regarding the closure of my account with GRIDXXXX  last year. After paying off the necessary amount, my account was closed on XX/XX/2022. However, upon checking your credit report, I noticed that all my credit scores have significantly dropped due to an inaccurate report. This has had a tremendous impact on my credit. I kindly request you to immediately remove this inaccurate and improper information from my credit report. This situation is unacceptable in every sense, especially considering the fact that I haven't engaged with GRID for years. Out of nowhere, I am now being informed of an account balance of {$240.00}, which I have never received from GRID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I have a balance transfer promotion on a Chase Amazon credit card. I receive 0 % interest on the balance transfer. The promotion expires on XXXX XXXX XXXX On XXXX XXXX  I paid {$350.00} to Chase as my regular payment. On XXXX XXXX, I paid an addition {$1000.00}, which according to the law, should have been credited toward my promotional balance, since it is within the two billing cycles preceding the expiration of the promotional balance. Instead Chase credited the payment to higher interest purchases, as they usually do, and did not take the {$1000.00} off the promotional balance. I phoned Chase to explain that according to the law, they should have credited the {$1000.00} to my promotional balance. I asked why this did not happen. The customer service rep, transferred me to a supervisor. The supervisor stated that credit card payments in excess of the minimum due, are automatically credited to the higher interest balances. She stated that Chase does not have a way to credit excess payments to a promotional balance. Since there is no way to pay off a promotional balance, this is obviously a way to stick customers with all the piled up interest at the end of the promotion. I want my {$1000.00} credited to my promotional balance as it should have been on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
LA CURACAO WAS CHALLENEGED TO REMOVE COLLECTION. 
RESULTS WERE TO BE DELETED OFF LA CURACAO DELETED, AND IMMEDIATELY RETRACTED COMPLETELY NEGLECTING THE PROCESS! NOW ITS BACK UP AND THEY WILL NOT ANSWER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MO

Complaint narrative:
I initially contacted Chime on XX/XX/XXXX as I had received 2 emails from them about an account that was setup in my name. I had never heard of this company, nor did I try to setup an account with them. 

They closed the account per my request but were not able to provide additional information unless I gave them my SS #. At that time I declined to share that information. I was told that I needed to file a ID theft report with the FTC and provide my SS # in order to receive additional information about my file. I went ahead and did file an ID theft report at that time. 

On XX/XX/XXXX I called them again and did give them my SS # and gave them information about my ID theft report. I asked to escalate the case ( I have a reference number from chime ) and then I received a series of emails where they wanted my SS # again after I had given it to them over the phone. I received a series of automated emails asking for my SS and the ID theft report after I had already provided it and felt like I was getting the run around. At this time I chose not to respond to their emails and through a Fraud resolution specialist with XXXX XXXX, she suggested I file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: NC

Complaint narrative:
On XXXX XXXX  someone attempted to open a fraudulent credit card with XXXXXXXX XXXX in my name. I was alerted since I had a savings account with XXXX XXXX  I contacted them right away and they stopped it. 

XXXXXXXX XXXX sent me a letter confirming of the fraud and that they would alert the credit report agencies. 

I contacted TransUnion several times. In XX/XX/XXXX, I was asked to mail in the letter from XXXX XXXX. I did. Nothing was done. 

Today, XX/XX/XXXX, I contact them and they ask now for a FTC report to confirm the fraud. 
The only way to send this is through mail again. 

I keep spending my time and my money on rectifying an error that is not mine. This was fraud and they have been notified by XXXXXXXX XXXX and myself. They do nothing.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have about 50 emails regarding an investigation about addresses that were mistakenly deleted from my credit profile. I have reached out to Experian, which is extremely hard to do, which I believe they make it that way on purpose to discourage consumers. I've uploaded all information necessary to prove that the 2 addresses I need added back are mine. I've called them just about every day starting from maybe the 2nd week of XX/XX/ until XXXX XXXX I'm on the phone with them now, yet again, requesting to speak with a supervisor. They always say that one will call back and they've never called back. I have so many case numbers it's too much to type. Should they need to be provided I do have them in my email. They tell me to wait 24-72 hours. Waiting weeks and nothing is being done about the information on my credit report. It's keeping me from obtaining much needed credit/employment. No one there in a supervisory role seems to care of make even the slightest of efforts to rectify the situation. XXXX was supposed to call back, never did. This has been an ongoing issue and I need the CFPB to do something about it. If it's happening to me, that must mean it's happening to many other unfortunate people. At this point, we are relying on you all as the CFPB to do something about this because CLEARLY Experian does not have the capacity to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AR

Complaint narrative:
I am not the first person to have problems with repaying the Educational Financial services. They are reversing my payments so they can accrue additional interest. This needs to be in the XXXX XXXX XXXX This is crooked. I have tried paying again today but since it is veterans ' day. I expect to have this handled immediatly. 

https : //edfinancial.com

Company response to consumer: Closed with explanation