vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 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: MI

Complaint narrative:
Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate accounts.

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 2023-05-24 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-05-24 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: IL

Complaint narrative:
I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-05-24 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: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On or about XX/XX/2023 contacted XXXX XXXXXXXX XXXX re a XXXX settlement of a XXXX balance on a BJs my perks CC. 

XXXX accepted the funds, paid by a bill pay check that cleared in XX/XX/2023. 

Thereafter, the account was still open and then became delinquent. 

I contacted XXXX on around XX/XX/2023 for an update as to why the account was still open. I kept paying on the account so as to not ding my credit. Sometime thereafter the account was transferred to Capital One.

I was contacted Capital One [ XX/XX/2023 ] ( the successor ), and they stated that based on the information they received from XXXX, they will not honor the settlement. They further instructed me to contact XXXX. I did. XXXX told me to do a credit dispute with Capital One and that the account was indeed settled. 

My credit has taken a ding and I am out of nearly $ XXXX with this settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I got an alert on my credit report that a collection agency [ JFEFFERSON CAPITAL XXXX ] reported new debt. However, I have never heard of them, nor have heard from them. I have asked for a validation letter to verify the debt after I gave them my address. I have not received a letter and [ JEFFERSON CAPITAL XXXX ] hit my credit again, reporting a new debt for a second time. I'm pretty sure the tactics [ JEFFERSON CAPITAL XXXX ] has used is in clear violation of CFPBs Debt Collection Rule under the Fair Debt Collection Practices Act ( FDCPA ) which became effective on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX. The car cost {$15000.00} and I was charged $! XXXX for taxes and a {$150.00} admin charge. That total came up to {$17000.00}. I put {$3000.00} down on the vehicle and the price dropped to {$14000.00}. This should have been the amount that I financed for the vehicle. The actual amount that I ended up financing was {$17000.00}. I guess they included the license and registration fee. The cost to finance my car came out to {$19000.00}. The finance charge was XXXX XXXX My total of payments came to {$36000.00}. {$3000.00} ( my down payment ) was added on to that making the total sale price of the car {$39000.00} for a XXXX XXXX XXXX with over XXXX miles on it. My payments were suppose to be {$500.00} for 72 months with the first payment beginning XX/XX/2020. After making over two years worth of payments, I now realize that I will never pay this car off because all of the payments are going toward the interest that continues to accumulate. I was supposed to try and get the car refinanced after the first year, but the car loan itself is so bad that I could not find a financial institution willing to refinance my car. I have paid over {$3000.00} in repairs for my vehicle and it still has a mechanical problem. Sometimes, the car just won't start. It has the auto-shut-off-auto-start feature and it seems to have a computer problem. I only take my car to the dealership and they are not sure what's wrong with it. The principle balance on my car is currently {$17000.00}. Remember, it started out at {$17000.00}. I contacted the finance company concerning this matter to see if I can get the interest rate adjusted, but they just told me that the payments will basically adjust themselves. I don't see how. I see no end to this. This car loan has negatively affected my credit, even when I had made my payments on time because of the continued high principle that never went down from {$17000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXXAttempted an Instant transfer to my bank account from my Venmo wallet in the amount of {$500.00} During this time the transaction did not arrive. The Venmo customer service representative said it was an issue with my bank. After explaining that I had spoken with my bank and verified no transaction was attempted I was told my case was being sent to the Account team. The representative stated the Account team did not take calls or e-mails but I would receive word in 6-8 business days. 

XXXXReceived refund for Instant Transfer fee in the amount of {$34.00} after calling Venmo customer service. 

In the mean time dozens of e-mails and messages have been sent. I have been sent to different customer service workers each time. At times they stated they would need to speak to the Engineering team to resolve the issue and promised I would be updated. The response never came and the subsequent e-mails ignored large portions of my questions about options for a resolution. Customer service has refused to engage with me or provide a timeline for the return of my money or an explanation of the issue. The e-mails are available should you wish to see them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24 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: GA

Complaint narrative:
Please remove the late payment remarks as soon 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 non-monetary relief
Consumer complaint received 2023-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was notified via text message that a wire payment of {$390.00} was attempted on my account and prompted a " YES or NO '' response which I replied " NO ''. In doing that, I received a call from what I thought was Wells Fargo and I only thought that because I have their Online Support number saved in my phone. The person that called me definitely did not work for Wells Fargo, which was unbeknownst to me at the time. The person made me think that he was handling the issue and then let me know of a {$9000.00} wire that was also being attempted on my account so what I thought was a process to prevent the wire from being released as well as close and secure my account was actually the person stealing from me. I noticed the {$9000.00} missing from my account first thing the next morning ( XX/XX/XXXX ) and called the same number that originally called me and when I explained the whole thing to an actual Wells Fargo fraud department member to ask about the missing {$9000.00}, they had no idea what I was talking about. That is when I knew I had been taken advantage of and stolen from. I properly filed the claim with WF and closed and secured my account. I was told it would take 9-10 business days to conduct the investigation and on that 10th business day ( XX/XX/XXXX ) I called and was told that they couldn't get the {$9000.00} back from the scammer 's beneficiary bank and that there was nothing they could do and that the loss was mine. The resolution letter that I also received on XX/XX/XXXX was dated XX/XX/XXXX saying the same thing. Which says to me that an investigation was not really conducted and that victims of scams do not really matter to them because this is all because I believed I was talking to an actual Wells Fargo employee because it was in fact, their ACTUAL online support number. I do not accept the result I was given and I am thoroughly disappointed in how their wire process is conducted as I was never once contacted by anyone to approve the wire as this was the first wire ever attempted on my account in my TEN YEARS of banking with them. Their negligence has costed me a tons of undue financial stress and {$9000.00} of my hard-earned money.

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 2023-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
on date XX/XX/2023 amounts {$2500.00} transfer from my checking accounts to unknown savings account. without my authorization. so my claimed to resolve but i suspect the financial dept. could be involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Wrong information being reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: AL

Complaint narrative:
These are all closed accounts. 
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 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX # XXXX have violated my rights. 

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 an 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 2023-05-24 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: AL

Complaint narrative:
These are all closed accounts. 
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 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX. XXXX XXXX # XXXX have violated my rights. 

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 an 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 2023-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including billing statement and identification. Thank you for your prompt attention to this matter. The long list of INCORRECT Addresses that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XX/XX/2023 paid note to care credit and still showed late. XX/XX/2023 paid XXXX XXXX still showed late

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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX and Transunion have XXXX  XXXX banruptcuy on my credit report that i was not eligible to receive until XXXX, i was discharge in XXXX under XXXX  XXXX you can not filed again until XXXX, these credit bureau has XXXX  XXXX from XXXX to XXXX, i was not eligible to filed until XXXX, you only filed a XXXX  XXXX every 8 years from the previous.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, Equifax and XXXX have XXXX  XXXX banruptcuy on my credit report that i was not eligible to receive until XXXX, i was discharge in XXXX under XXXX  XXXX you can not filed again until XXXX, these credit bureau has XXXX  XXXX from XXXX to XXXX, i was not eligible to filed until XXXX, you only filed a XXXX  XXXX every 8 years from the previous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX and # XXXX has violated my rights. 

15U>S>C 1681 section 602 A. States i have a right to privacy 15U.S.C. 1681 Section 604 A section@. . It is also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-05-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 have violated my rights. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 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 an account without my written instructions.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Under Louisiana statute 29:312 an XXXX XXXX service member may not be charged over 6 % by any credit institution. Regardless of date account was opened. The statute referenced above is linked below https : //legis.la.gov/legis/Law.aspx? d=321064

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