vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Had made multiple purchases through XXXX XXXX from XXXX I had always paid on time and paid more than required and always paid off many months in advance. On XX/XX/XXXX I thought the account was paid in full. On XX/XX/XXXX, there was a balance of {$1.00} that I was unaware of. I was never notified of this till XXXX XXXX  XXXX I started getting calls three times a day from a TD Bank and they were robot calls. I did not have an account with TD Bank, so I kept trying to call back to see what this was all about and kept being hung up on. I paid the dollar and was never given credit for it. It wasn't till XXXX XXXX  XXXX that I was able to speak with someone and they said it was about my XXXX account being past due. When they told me that I owed XXXX and now it had late fees and interest now totaling over XXXX  XXXX dollars, I said I need to speak with a supervisor. Was placed on hold and told I had to pay or else. Then they hung up on me. I tried calling back with constant hang ups. The account finally was reported as a write off at XXXX. Since then, I have been deigned loan of XXXX and my credit cards interest has increased because of this. If you look at my payment history, you will see that my payment history was rates as exceptional. My score was over XXXX. At one time during this my score dropped to low XXXXXXXX XXXX. I always paid my bills and this is so unfair. I tried disputing through XXXX  and TD Bank said no. 
The documents that I scan is after I found out it was XXXX and signed into account to see the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida Department of Revenue 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX that a new account had been added to my credit report. I did not apply for any new account and was baffled as we are currently building a house and we cant apply for credit right now. XXXXFortiva applied and placed a {$1000.00} credit card on my account without my permission. Ive never had a card with either company and have not used this service sine XXXX. I put in a dispute with XXXX as I dont apply to the card and suspected fraud. I called the company and asked why did they add an account I didnt apply for. He could not give me a reason but stated a card was in the mail. I never applied for the card and asked that it be removed from my record and not just closed off my credit report like I closed it because I never applied for it. I told them this had to be illegal because I did not give permission. I just dont want them to do this to anyone else. If I would have wanted a card from them I would have applied two years ago when I use their service. Please help. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: NJ

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email from Capital One Auto refinace offer for refinace on autos. Applied online and was approved for a XXXX XXXX. When I contact Capital one as requested via phone at XXXX and spoke with XXXXXXXX XXXX  she stated she needed me to verfiy information with lender which I did and the at the end of the call they confirmed the amount and lender was correct but had the wrong vehicle. She could not get the matter resolved after XXXX mins and gave me another number to call in the morning. I called XXXX and spoke with XXXX and lead person and explained the same thing and either needed to get the correct vin # which was given or remove the hard hit on my credit. she advised I would have to dispute with the credit reporting agencies. I advise this is Capital one error after holding for her for XXXX. This type of operation should be able to handle this issue without putting a customer through this type issue and time. Please have Capital one either get the correct information to process the refinance for the XXXX or have the hard hits on my credit removed on all 3 credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I had a mortgage with Wells Fargo Moertgage and sold the house. They sent me a check of {$800.00} to return my Escrow, and I mistakenly did a mobile deposit twice to my checking accounts : once with XXXX on XX/XX/XXXX and again with Wells Fargo on XX/XX/XXXX. I was in the middle of moving interstate and made that error. Both banks rejected the mobile deposit on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Wells Fargo ). I then tried to deposit the actual check at a XXXX branch 2 more times ( XX/XX/XXXX & XX/XX/XXXX ) sharing my original mistake and both times the check was rejected by Wells Fargo so each deposit was reversed by XXXX. The XXXX branch mgr was nice enough to get me on a call with WFargo on XX/XX/XXXX where I was told by XXXX that the check had a " invisible void '' due to my deceased husband being listed on the check and to send in a fax to remove him from the account- which I did on XX/XX/XXXX. Mind you my Probate lawyer had notified WFargo of my husband 's death but they never removed him from the account. WFargo Mortgage was to reissue the Escrow Refund. Instead I receive an overnighted letter from WFargo on XX/XX/XXXX stating there would be no refund on Escrow as that check was cashed on XX/XX/XXXX ( Case # XXXX ). I have spent many hours with both WFargo Mortgage & WFChecking on the phone and they realize that the deposit was rejected by XXXX but no one can seem to issue me another Escrow refund. On XX/XX/XXXX after many frustrating hours on hold with XXXX from WFargo Mortgage, she opened up another case # : XXXX. That case was closed yesterday by XXXX stating I had deposited the check ( which I did not ). I called the number he gave me, and just got a random Escalation person, XXXX, who refused to escalate further and said I had to speak to XXXX even though she could see his email that the case was closed. XXXX was supposed to call me back and that has not happened. I have spent over 10 hours on hold trying to resolve this and just want my refund of {$800.00} and then I will move all of my funds from WFargo to XXXX where at least they respond and resolve customer issues. Wells Fargo never gives out employees last names, emails or contact phone numbers so it is impossible to resolve an issue and each person just wants to close the case as quickly as possible.

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 2023-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I had a prepaid card with Navy Federal. I placed about {$11000.00} or more on the card. I also had employment insurance just in case of job loss. 

Unfortunately, I did experience a job lost. I called and called Navy Federal in enact my employment insurance. I had paid on that insurance for months. 

They gave me for run around from one department to another. In the end, NO ONE helped me.

Even after they kept sending me late notices. I still called them to no respond to resolve the issue.

Now they are reporting FALSE information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  she stated that there was no outstanding balance owed from 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 2023-07-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX she stated that there was no outstanding balance owed from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: TN

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: TN

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

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 2023-07-20 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:
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: GA

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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 2023-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX  out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

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 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank, the entity that holds the United Airlines mileage card, closed my account without cause. Upon inquiring, the reason given was that I had not used the card in 5 months ( end of XXXX - middle of XXXX, 2023 ). 

I have several thousands of dollars in United Airlines travel and this act is directly impacting my ability to earn miles. I learned of this farce as I went on to the United Airlines app to pay with my United Credit Card to upgrade my seats for the first trip, coming up on XX/XX/XXXX. 

I have been a card member for 11 years, I always pay my bill, I have auto payments set up so that there is never a missed payment and generally do not carry a balance or incur interest fees. That is the real reason they cancelled the card, they aren't making enough money on my use. 

Upon further discussion, as I explained my need to make a charge, I was told to " re-apply '' for a new card as the company would not reinstate the old one ( that had been cancelled for less than a month at that point. ) So, as a consumer with excellent credit, a history of paying my bills before they incur interest, a long standing customer .... I need to reapply for credit, thereby impacting my good credit score, so that banks like Chase can charge more interest? I am appalled by this lack of integrity and outright scamming that is happening by Chase Bank. FIX IT. 

XXXX XXXX Last 4 of card number : XXXX XXXX XXXX XXXX XXXX, Virginia XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation