vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I disputed a collection account with Experian that is reporting inaccurately on my credit file. On XX/XX/2022, Experian reported that this account has been updated and " verified ''. On XX/XX/2022, I sent Experian a letter to request the description of procedure used to determine the accuracy and completeness of ACCOUNT NAME - XXXX XXXX XXXX XXXX / ACCOUNT # XXXX. 

On XX/XX/2022, Experian opened a re-investigation of the above-mentioned account. I stated in my request " This is NOT a request for a re-investigation, I am invoking my right to request a description of the procedures used to determine the accuracy and completeness '' On XX/XX/2022, Experian completed the re-investigation stating that the account was updated and " verified '' ( AGAIN ). Experian has ignored my request for a description of the procedures used to determine the accuracy and completeness, which is my right under XXXX XXXX Code XXXX ( XXXX ) and as a consumer, I am being violated by both the XXXX XXXX XXXX and Experian Information Solutions , Inc.

I am aware that Experian is required by congress to provide an independent investigation that is full and complete. Experian has failed to do so. According to Experian, their investigation process consists of Experian forwarding consumer dispute requests to the creditor to confirm the accuracy of the disputed information and reaching back out to the consumer to notify the consumer of their results after receiving a response from the creditor. At no point was an independent investigation performed directly by Experian. The collection agency has also NOT been in contact with Experian. Experian continues to report inaccurate and/or unverified information willingly and negligently on my credit file.

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have wrong address info. I don't live at the address that's on my report, haven't sence 2020. Would like it changed.

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 2022-03-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXXXXXX XXXX XXXXXXXX. Acct # XXXX 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. 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 2022-03-19 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Upon examination of my credit reports, I did observe an account ( XXXX XXXX XXXX XXXXXXXX ) listed thereon which I did not open nor was aware of. I have contacted the company on multiple occasions to have this matter resolved but they seem content as treating as my account; totally disregarding the issue at hand. I made it clear that I have been a victim of Identity Theft and also I was among the many who were involved in the XXXX credit breach a few years back. Notwithstanding the fact that I have ran in hard times in the past, I will never disown my debt but rather come to some sort of arrangements to resolve the issue. Here, I am faced with having to challenge a debt of which I am not aware and the creditor is refusing to rectify this matter. In light of this, I hereby request assistance from the CFPB to address this issue. I have disputed the matter and requested evidence but to date they have failed to supply any evidence linking me to this account other than it being listed on all of my consumer reports. Additionally, the company has blacklisted me for being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.

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 2022-03-19 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: GA

Complaint narrative:
In the month of XXXX, I recently wrote a complain about all the credit bureaus explaining why XXXX XXXX XXXX XXXX is on my credit as a charge-off with a balance of XXXX dollars. I never received any validation, letters, or email from XXXX XXXX XXXX XXXX, after they took the car. The repossession wasn't peaceful, they was rude and we got into an altercation, and on top of that I didn't receive a presale or post sale letter. If this item can't be verified I need it deleted off my account., according to the FCRA Law Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this compliant without any influence of a third party agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXX XXXX  XXXX. Acct # XXXX 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. States a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the convergent accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX 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. 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 2022-03-19 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  XXXX Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-19 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I tried to purchase an XXXX monitor for XXXX on a small ecommerce website called XXXX. The site is down right now, it was live and running when I made the purchase on XX/XX/21. 
Please see the files attached for the evidence. 

Also attached images of the weight difference of the same product on XXXX and the scam website XXXX. As you can see in the images I attached, the weight of the monitor in the ups tracking number that the scam website XXXX sent is only XXXX lbs, the real weight of the same monitor on XXXX is XXXX pounds/lbs. I also attached an image of a text message that XXXX sent me. 

I never received this monitor even though I was sent a false tracking number. A few weeks later the website goes offline when it was previously online. I also found several negative reviews of the site on trustpilot.com from several customers that bought something and never had it delivered to them. I also called ups with the tracking number they gave me and they confirmed that the tracking number was not for my address that I put as the shipping address. 

I contacted the bank I used to make this purchase, ally bank, to report fraud and request a chargeback. Ally bank took longer then other banks take to issue a chargeback. They got back to me with a letter saying this charge was authorized and correct and to fill out an additional form if I wanted them to investigate this charge further. I filled out the form completely with all details and evidence that makes it clear and obvious that the merchant was fraudulent. I had to wait almost 3 months for ally to respond to this by a letter in the mail for their final determination on this charge. Their final letter said that they think it is still authorized and correct and they tried to contact the merchant and of course never received a response from them. They still closed this dispute regardless without issuing a chargeback to return my money and said to contact the merchant directly which I already tried to several times and never received a response because the merchant is an obvious scam that many other people that have left reviews have confirmed they have gotten scammed the same way. What can we do to recover the 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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In XX/XX/2022 I received three notices from TD Bank of new accounts opened in my name. I contacted TD Bank and advised them these were fraudulent. I was assured the accounts would be closed. 

On XX/XX/2022, I received letters that the accounts were overdrawn. I again called to make sure the accounts were closed and TD Bank assured me they would close the accounts. 

Today ( XX/XX/2022 ) I received another set of letters advising that the accounts were overdrawn. I refuse to call TD Bank AGAIN because it takes an inordinate amount of time to have them return my call and they apparently aren't doing anything to close the accounts. 

It is ridiculous how easy it is for fraudsters to open accounts and TD Bank is failing at their due diligence to ensure the accounts are legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
BARCLAYCARD XXXX XXXX Received a letter dated XX/XX/2022. The letter stated that I had not used my card with XXXX balance in some time. If I want to keep the account open, the card must be used periodically to remain in good standing. Thus, if I want it to remain open, I must use it within 30 days of notice, XX/XX/2022 or it will be closed. The credit line is XXXX, and the balance is XXXX. 

I am a XXXX  citizen with good credit history and I don't want to close the account that will reduce my credit availability. I have never heard of such a credit card request. 

Please advise me. 

Thank you in advance for your assistance.

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 2022-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TN

Complaint narrative:
I have never been late on this account and it is showing two late payments for XXXX and XXXX of 2020. This is affecting my ability to get a mortgage for my family. I have spoken to EdFinancial and was assured that this matter would have been resolved. To date it has not been. Therefore, I have engaged the assistance of the CFPB to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: MD

Complaint narrative:
I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove 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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Unable to open account with chime online. They kept telling I needed documents to open up account so I send copies of my ID my ss card and proof of address. I nvr got helped they kept telling me someone would remove the block n til this day my account is still blocked I nvr knew wut the problem was. Poor customer service. They could nvr help resolve the problem. Tried to resolve for about 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: MD

Complaint narrative:
I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove 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 2022-03-19 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: MD

Complaint narrative:
I have previously sent in a complaint and have not received the necessary results. The attachments provided include the necessary documentation to have these items removed from my consumer report. These items are preventing me from obtaining an advancement in job opportunities. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
This debt collector has no right to collect a debt or furnish a report on my consumer report according to the laws listed in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
Marcus by Goldman Sachs took over the XXXX XXXX XXXX on XX/XX/2022. Many customers, myself included, still have no credit card and no statements. We keep getting told it's a few weeks out - it has almost been a month. It takes hours on hold to get through to their customer service. They do not list an address to mail in payments on their site not do they have a, that I have been able to find anyway to reach out to them except on XXXX. 

I am at least savvy enough to know how to get online and check my statement but what of all those with no internet access or that are not comfortable navigating their way around the web. 

Also at present we are FORCED to link our bank accounts to make a payment on their site. If they can't be trusted to get me my statements and my new card why should they be trusted with my bank information. 

This conversion has been bungled from the start with lack of response, lack of ways to contact to ask questions and lack of vital information namely our actually cards/account numbers and statements. Marcus seems unable or unwilling to do anything about it expect to continually tell us to wait a few more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West on XX/XX/XXXX for XXXX $ Deposited brought available XXXX $ from a XXXX balance. This showed available online. Later the funds were manipulated somehow after I conducted businesses with the available funds of XXXX XXXX Later that evening the funds reversed without any activity and a letter was sent about the error the following day addressing that there was a bank error to no fault of my own. I proceeded as it directed and was refused at the XXXX wells branch by a bank manager who claims she knew what that letter was and didnt want to see it and told me to leave that my account was going to be closed. 

Secondly in that same month XXXX XXXX came into the account by mobile deposit and XXXX $ came available which I made payment to my auto insurance XXXX XXXX with confirmation number available upon request. The payment was recinded and my account was closed later receiving a statement with no history of the payment. I phoned about it with XXXX XXXX and they could not provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NC

Complaint narrative:
I had XXXX XXXX done at my doctors office by a third party. The XXXX  company was paid in full by my insurance company except for {$25.00} that my insurance company said was not covered for XXXX XXXX XXXX I am currently appealing the {$25.00} charge as my XXXX is covered 100 % by insurance. After being paid by my insurance company the XXXX company redid the bill and billed me {$40.00}, which did not include the {$25.00} being appealed. I sent the XXXX  company copies of the insurance claim and explanation of benefits several times. I also contacted my insurance company and my doctors office who both said this was illegal and they would get it straightened out. I guess not, because the XXXX  company turned the erroneous bill of {$40.00} over to collections

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