vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PACIFIC CAPITAL EXCHANGE
State: AZ

Complaint narrative:
I get a call from XXXX XXXX to call oakdale portfolio management something about paperwork for me to sign. That never came it was supposed to come between XXXX today. This company dont know XXXX XXXX XXXX but he sure knew them he calls from private number. He gives number to call XXXX XXXX the other number to oak dale is XXXX ( XXXX ) XXXX. I spoke to XXXX with oakdale today he was rude and antagonistic and aggressive. I hung up on him at first to call original creditor lendly and then got referred to XXXX XXXX they referred me to oakdale. Well I call XXXX back after verifying that. He asks about notices sent to me dont recall anything by mail, and he dont know nothing of this XXXX server no show guy but XXXX sure knows them. XXXX demanded immediate payment by debit card and he would send paperwork to stop next step in process what that is they dont know maybe wage garnishment anything really depending on law. With out immediate debit card and signature on some e docs right that second they will consider me not willing to resolve the account ( despite me telling them I was busy and couldnt get them that info right that second ). I think I received something from united maybe but not this oakdale place. Oakdale wouldnt send me payment plan paperwork with out debit card up front. They asked who I bank with same bank as when I got the lendly account XXXX snarked back thats surprising. Also according to XXXX if I kept track with my creditor or something like that this wouldnt happen ( after i informed about seeing if it was a scam ). XXXX was upset and loud and nasty and sounded mad about me hanging up on him earlier to check to see if this was legit he kept being obnoxious repeatedly oh its not a scam we got your info ( ya scammers can get that ). I told them because they didnt want to give much info. Kept demanding immediate payment and signature on e docs after getting my debit card first that maybe I should look at a lawyer or file complaint with ftc he hollered what lawyer I said maybe Ill look at getting one or filing with ftc he immediately disconnected. 


XXXX number ( XXXX ) XXXX XXXX portfolio number XXXX The number to XXXX and the oakdale office is in report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Greetings, I have tried to update my personal information with the Bureaus in question but they have failed to remove the old information after updating the new ones. there should only be one of the following NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX WA.XXXX  JOB : XXXX XXXX Any other address or name should be removed. 
Section 611 of the Fair Credit Reporting Act requires credit reporting agencies to ensure that the information in your credit report is accurate, complete, and up to date. Which gives me the right to dispute any inaccurate or incomplete information in your credit report, and requires credit reporting agencies to investigate and correct any other errors.

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 2023-04-27 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  ONLINE XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.

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 2023-04-27 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:
XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KS

Complaint narrative:
This is a random company that says I owe them money and have never had any business with them. They called one time and I told them it's not me. They have since kept hurting my credit with the false claim and haven't removed it. I do not owe them and they need to remove themselves from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear TRANSUNION, I am writing to dispute the inclusion of several hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-B, consumer reports can only be provided for permissible purposes, such as an extension of credit. However, these hard inquiries do not appear to fall under any permissible purpose, as they were never involved in any extension of credit. 
I would like to request that you remove these hard inquiries from my credit report, as they were not authorized by me and were not related to any credit transaction. The inclusion of these inquiries is having a negative impact on my credit score, and I believe it is unfair and inaccurate.

I understand that under the FCRA, consumer reporting agencies must investigate and respond to disputes within 30 days. I request that you promptly investigate this dispute and remove the hard inquiries from my credit report. 
Thank you for your attention to this matter. 
Sincerely, 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 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
ONLINE INFORMATION SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank is wrongfully hold {$37000.00} of our funds from our customer checks deposited in the accounts. We did the mobile deposited and they closed our account, returning the rest of our balances but withheld that amount for 5 months. WE have contacted WF so many times and no result. The fund are now sent to Closed account something and we dont even know when we can get the money back. This is wrong! WF should not be able to hold customer 's money for that long without a solution. We did everything we are instructed to do and still they dont return the fund to us. Can someone help us or we need to go to court for 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 2023-04-27 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: MA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.v

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/23 I bought a fuel pump assembly at XXXX received XX/XX/23. XXXX order # XXXX. XXXX resold a defective customer return fuel pump assembly that had to be discarded, requiring me to use my grocery money to pay extra to replace parts & labor is the very definition of hardship. I filed a dispute with Bank of America # XXXX. XXXX posted charged, then released, then recharged creating a negative balance in my account. XXXX reps previously reference a " non-renege '' clause relationship with Bank of America which is clear bias proving the bank 's reluctance to process my refund credit as they are clearly in XXXX 's corner. 
This bank owes me not only a provisional credit of {$61.00} to replace what XXXX stole, but a permanent credit as XXXX demonstrated intent not to refund on an item that never should have been sold in the first place. 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 2023-04-27 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated me generally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A. 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 a account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crime which antidates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-04-27 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: MA

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/23 I received XXXX earbud in the mail. I did not order them. I was confused, and called XXXX. I told a XXXX agent that I was concerned that this could be related to fraud. The agent essentially dismissed my concerns, suggest a friend might have sent the ear buds as a gift, and that everything would be resolved. She told me " just to keep the headphones ''. I still have them, and have never used them. 

Shortly after, another statement arrived in the mail. The charge for the headphones, and other items, were on the bill. The charges totaled almost {$3000.00} dollars. Since XXXX. The charges were placed on a XXXX XXXX account issued through TD Bank. 

I've filled out three appeals via fraud report forms through TD bank, starting in XXXX. I have filled out a police report, and found that two phones were purchased using this card, by someone other than me. These two phones were picked up, back in XXXX, at two different XXXX XXXX locations ( XXXX, NJ and XXXX, NJ ). I have never been to either of these XXXX XXXX 

Despite spending hours on the phone with XXXX and TD Bank Card Services, filling out three separate fraud report forms for TD Bank, I was denied, and the case has been closed, according to TD Bank. I am now on the hook for over XXXX dollars worth of charges that I never made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: Colony Brands, Inc.
State: OK

Complaint narrative:
I have never initiated or opened any account with Swiss Colony or any of it's associates or affiliates. I disputed the validity of the account with XXXX and XXXX on XX/XX/XXXX. Yet, the company maintains that the account is valid. I would like the FTC/CFPB to launch an investigation and seek possible legal action against Swiss Colony located at XXXX XXXX XXXX XXXX XXXX XXXX telephone number XXXX. 

I have contacted the company several times, they maintain the following : there is no history on the alleged a account, no orders on the account, and no date when the account was opened. Yet, the account appears on my XXXX and XXXX credit reports. As of XX/XX/XXXX, the alleged account is reflecting a credit limit of {$1000.00} of which {$110.00} has been utilized. 

On XX/XX/XXXX, XXXX of XXXX, I spoke with several representatives to include the lost prevention department and I have been unable to resolve this matter. All representatives that I spoke with at Swiss Colony maintain that no account exists. The last representative provided an account number, yet maintained that no orders have been made and no history exists on the alleged account. 

I am in the process of purchasing a new home and this is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: MA

Complaint narrative:
I am a current key bank customer, I have a checking account and a line of credit. I received a promotional offer to open a savings Account and proceeded to do so this Sunday XX/XX/23 via online banking and initiated a {$15.00} transfer to the Account. I then later tried to login to the Account and received an error advising to call in as my online banking was locked. I called in today to access my account and verified over the phone with a representative. I was told there was a problem with the savings account and fraud was reviewing, I then questioned why I couldnt access my entire online banking profile due to a new account I applied and was approved for using the same information on my profile. I then was advised in order to rectify I need to visit a local branch, I advised that is not possible as I live in Massachusetts and there is no branches around me. The representative said that was the only option which I replied if the issue is with this new savings account then they can close the Account. The representative stated the only way to fix again was to go to a branch, I am requesting a complaint filed. From what I can tell is KeyBank intentionally placed a hold on my accessing all of the accounts in my name simply because I opened an account online and the store they assigned the state to us different from the one I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: FL

Complaint narrative:
I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XXXX XXXX currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the Biden-Harris Administrations Student Debt Relief Plan. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a full-time student and am currently submitting a deferment document to the lender. I called the current lender XXXX requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the Biden-Harris Administrations Student Debt Relief Plan, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.

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