vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: LA

Complaint narrative:
As of XX/XX/2023, medical debt collections under {$500.00} can no longer be reported to the credit bureaus. I demand that the listed debt be removed from my credit report. 

Account # 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 explanation
Consumer complaint received 2023-02-21 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: GA

Complaint narrative:
Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including XXXX XXXX XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXX XXXX XXXX Va XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX 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 2023-02-21 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: NJ

Complaint narrative:
XXXX Mortgage Company is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.

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 2023-02-21 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: NJ

Complaint narrative:
XXXX XXXX  XXXX  is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.

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 2023-02-21 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: NJ

Complaint narrative:
XXXX Mortgage Company is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
would like to get all these unauthorized inquires removed from my credit report XXXX creditXXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX, XXXX  XXXX  inquired on XX/XX/XXXX, XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired on XX/XX/XXXX, XXXX-XXXX  inquired XX/XX/XXXX, XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX  inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX Great XXXX XXXX inquired XX/XX/XXXX, XXXX XXXX inquired XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX inquired XXXX XX/XX/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 2023-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thrift Investment Corp.
State: NY

Complaint narrative:
This business is so unprofessional and rude. I call XXXX and they said the person I needed to talk to wasn't in till XXXX and that I would get a call back. I end up calling XXXX since I didn't receive a call back and they tell me the person I'm suppose to talk to left the office for the day and No one can answer a simple question and they can't help me! These people are ridiculous and never dealing with them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried to pay {$4000.00} rent on XX/XX/19 to my landlord via Venmo. However, my transaction was declined. I tried to call in to Venmo customer support to see if they can authorize the transaction to go through, but they said it was due to their internal automated system and they have no manual override. They then instructed me to break up the payment into smaller payments. I was able to send {$2000.00} successfully before encountering the payment declined error again. Then I realized my entire account was flagged so I can no longer send money to anyone ( I can no longer fulfill requests either ). Since I was on the phone with the customer support person, I asked if they could un-restrict my account but once again they said they have no way to override and I would just have to wait or use a different app. I rely on Venmo for daily transactions and it's unacceptable there is no way to manually override or review accounts/transactions after verifying the owner of the account is trying to make those payments. I've seen other reports that even after waiting years their accounts are still flagged. Clearly, the automated system is faulty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an account that shows inaccurate information on my credit report from OHIO DEPT OF HUMAN S XXXX. I have filed a complaint before that this account is not accurate. The account is not a proper reflection of what is owed which is XXXX balane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts I mention below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX XXXX : Account # XXXX, and Account Name : XXXX XXXX : Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have the right 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 ) no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

15 U.S.C. 1681s-2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors- States that 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. 

I've sent multiple notices and have opened multiple disputes.

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 2023-02-21 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: FL

Complaint narrative:
XXXX recently reported as of XX/XX/XXXX in XXXX and transunion as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to transunion XXXX and 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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to XXXX equifax and XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I received notice that a hard inquiry hit my credit report. This was unauthorized. XXXX representative provided me with the following info : on XXXXXXXX XXXX, a hard inquiry was placed on my report by Citibank ( CBNA ) and provided me a phone number for Citibank. I called the number an they were unable to give me any information based on me giving them my SSN.

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was a XXXX  in 2011, I had a loan and checking account set up with Wells Fargo. I would constantly get changers overdraft fees for going over even when I asked for overdraft protection. 

I believe I was apart of 1  of the 16 million Americans that was overcharged on these fees and/or the interest on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Back in XX/XX/XXXX, my father opened a CD/Savings account with Ally Bank on my behalf in which when I was attempting to access the account that then triggered a suspicious activity flag. 

I called directly to clarify my identity and that allowed this savings account to be a joint one. 

They said they would investigate and get back to me and this was on XX/XX/XXXX. Since then we haven't heard back so we've called about 10x between my father and I. 

We've received several go arounds without any real update or timing. One time they told me they had deactivated the account completely ( without notification to either myself or father ) and funds were refunded to the original source- which is my father 's XXXX XXXXXXXX XXXX account. While that was already a sloppy way of handling things, we were at least relieved knowing where the $ was. 

So we went down that rabbit hole of checking with XXXX XXXX XXXX  to come and find that they had not receive any funds from Ally Bank. 

There we are back to square one chasing down Ally Bank who continually gave us no real answer other than we would receive a call back. 

It's been 2 months, we don't know where our funds are, no access to the account and the absolute worst customer service, at times, yelling at us or hanging up. 

This is beyond what we would think is possible for a major bank like this to operate and frankly feels like fraud to us. 

We would like to know what further action can be taken to release our funds back in an urgent fashion or have some sort of transparent and tangible update. 

This isn't small amount of money too, this is money that we need back in our hands. 

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 explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I received the credit collections call, they said I have unpaid bill, based on their information, I checked the violation number and license number, they are both NOT mine! The NAME is NOT mine, the LICENSE PLATE is NOT mine, the ADDRESS is NOT mine, the VEHICLE is NOT mine! 
Then I called XXXX about they gave the collection the wrong persons information and they confirmed they have withdraw that. 
HOWEVER, the CREDIT COLLECTION SERVICE continued giving me calls, asking me to pay debt, and my credit score did not go up at all! Each time I called them, they said they already withdraw it, but nothing reflect on my credit score, and they keep calling me for debt! This hurt my reputation!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent three different letters requesting verification and validation on this account. XX/XX/XXXX, XX/XX/XXXX and also XX/XX/XXXX. The company has not responded to any of the letters nor have they validated this account as being mine yet they still are actively reporting this account to the credit bureaus. I have not received any legal documentation such as a contract, agreement or promissory note with my signature that holds me legally responsible for this debt. I am attaching the latest letter sent to them but the exact same letter was sent on three different dates as stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The XXXX of XXXX I received a letter from XXXX XXXX XXXX dated on XXXX XXXX, with reference number XXXX, asking me to call at XXXX XXXX XXXX to verify that I submitted a credit card application. 
They explained to me that the Credit Card Application includes my personal information which they used to run a credit report. I noticed that the letter is not Signed for any customer service Representative. However, I called and the person on the phone asked me for my SSN and DOB that I denied to her. I just explained to her that I never applied for a credit card to XXXX XXXX XXXXXXXX. 
Later I went to check my Experian credit report and I found out that I had a Hard Inquire on my record. I just want this hard inquire to be removed from my record, because this situation affects any transaction I need to do later about refinance or credit needed.

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 2023-02-21 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: TX

Complaint narrative:
The overdraft fees have become excessive. I am under the impression that showing an available balance and then later charging fees was against the law or rules. For the past few months has charged me close to {$1000.00} in overdraft fees. For some purchases the money was there when I slid the card but yet they are still listed and are charging me a fee. I would like for my account to be reviewed and overall their processes. This seems like a class action lawsuit situation and I am looking into that too. On my latest email there are FOUR transactions that I slid my card for and yet overdraft fees are pending. I want a deep dive into their system because last week I paid {$120.00} in overdraft fees. Reject the payments! That's cheaper for me! Rather than allowing the charges to post and I pay the fees.

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 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I had a double payment taken out of my checking account after I went into Bank of America 's website and changed my payment schedule to skip a couple of months as it seemed like I was 4-5 months ahead on my payments. Instead of skipping a payment they double charged me. They charged me on XX/XX/23 for {$1000.00} and again on XX/XX/23 for {$1000.00}. After I called and was told that they would credit the {$2000.00} amount ( Confirmation # XXXX ) they never credited my account and my XXXX statement doesn't show the two charges. So I called customer service again, and this time I was told that they have to mail me a check, and that typically takes at least 14 days. Well, it's been over that and I still don't have that to replenish my account the double payment they took out!

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reported this issue to Experian several times over two years. Provide all documents necessary to remove this charge. The account showed closed in XXXX, but in XXXX XXXXXXXX XXXX account reflects open until today. I have contacted XXXX XXXX multiple times, XXXX has provided documentation of a " XXXX '' balance, and those documents were submitted to Experian. However, they have not removed the charge from the account. Also, The amount is still increasing and hurting my credit score ; I need this to be removed and resolved promptly. The amount in dispute is $ XXXXdocuments attached from XXXXXXXX XXXX XXXX financial Page. They also showed the account in collection, removed it, and reopened it.

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 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I reported this issue to XXXX several times over two years. Provide all documents necessary to remove this charge. The account showed closed in XXXX, but in XXXX XXXX XXXX account reflects open until today. I have contacted XXXX XXXX multiple times, XXXX has provided documentation of a " XXXX '' balance, and those documents were submitted to XXXX. However, they have not removed the charge from the account. Also, The amount is still increasing and hurting my credit score ; I need this to be removed and resolved promptly. The amount in dispute is $ XXXXdocuments attached from XXXX XXXX XXXX financial Page. They also showed the account in collection, removed it, and reopened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CA

Complaint narrative:
on XX/XX/XXXX, i surrendered my vehicle to XXXX. they show it as a charge off. therefore they recieved a tax write off. it is still l showing amount due on XX/XX/XXXX 6 years later!

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