vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by 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 as a data furnisher to XXXX. It has come to my attention that XXXXXXXX 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 may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of 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 I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand that 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  promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that 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 conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that 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  will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i filed an ftc identity theft report and a police report in which i have sent both to XXXX, experian and XXXX on the below accounts that are not mine and fraudulent. they refuse to remove them. I want them removed immediately. 

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

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 2024-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
This online company classy home I used to split the payments up for an item I purchased. The item arrived delivered broken. I emailed pictures to affirm to open dispute. Affirm was supposed to be assisting me in getting this matter resolved i submitted by email to affim all supporting documentation including photos of broken item, email screenshots with merchant to accept return. All this proof was submitted to affirm within 30days As, I am not paying for a broken item Instead of helping me, affirm closed the case and are siding with the merchant. XXXX, who never responded to the 13 emails I sent them about the broken item. Countless emails hours of calls to Affirm refuses to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted USbank with a question about my mortgage, only to discover the funding I had received up to XXXX, was unexpectedly reversed and removed from my account. The reason provided was that my account was deemed current, although it was not, and there were no prior notices or follow-up calls to inform me of this decision. I also was told the organization that funded my account reversed it, when in fact it was USBank that initiated everything. I dont understand the lack of honesty. 

This sudden reversal has left me in a precarious financial situation. As a responsible borrower, I had believed the mortgage payment was settled. However, due to the lack of proper communication and documentation, I now find myself facing additional financial challenges. 

I have diligently reached out to USbank multiple times, advising of the situation, and emphasizing the urgency of resolving this matter. Unfortunately, the absence of proper notes in their system has hindered any meaningful progress. I am deeply concerned about the impact this situation is having on my financial stability. 

I kindly request your assistance in investigating this issue further. Could you please look into the matter and provide clarity on why the funding was reversed? It seems I am now penalized for others error. Additionally, I urge you to address the lack of communication and ensure that proper procedures are followed moving forward.

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 2024-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Bought washer/dryer/fridge from XXXX XXXX on XX/XX/17 using a the store credit card that I signed up with on that day. 

XXXX I received an email that the card was on its way but I had recently moved and it was never forwarded by the USPS to the new address with their forwarding service. 

-Spoke with XXXX about not receiving the card, she was going to mark it lost and sent me to the " advance tech support ''. They could not verify me & said they would disconnect the call. I should receive a letter, call or email 7-10 days. 

XXXX called, could not identify me, told me the call is going to be disconnected & got the XXXX day communication story again. Asked to speak to a Supervisor, XXXXny, absolutely obnoxious. Got the same XXXX day story. 

-4/1- sent a letter to the company at ( no response yet! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX followed up again, same 7-10 day story. Spoke to a XXXX. 

The number I have been calling 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 2024-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
As of XXXX 2024 balance decrease from XXXX dollars to XXXX original creditor XXXX XXXX XXXX XXXX agency Jefferson capital SY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I strongly believe Wells Fargo is running an illegal operation. I cash my check every Friday. They allow some funds and then the very next day they put my account negative, place a 10 day hold on my check and then charge me overdrafts and all kinds of different fees. For something they did. Which in my opinion should be illegal. You guys are ruining my life, starving my family, and running me bank rupt. Either tell me the check can not be cashed at this time or give me my money. You can't hold somebody's money every Friday for an additional 2 weeks. I understand denying somebody the funds but placing a hold for that amount of time is extremely excessive. Like I said you should deny these checks So people can go to there employer and get a new one or cash it directly at there bank. Pretty simple right?? 

Instead they intend to stunt everyone 's growth and hold everyone 's money. It is a corrupt business tactic along with all the fees and overdrafts they apply after they are the ones who made your account negative in the first place. 

You have the right to deny fund availability, but you do not have the right to hold somebody's money for 10 days. 

If you do not want to cash the check, then point your clients in the direction that they can. ( Talk to your employer, try cashing it at there bank, XXXX, other check cashing places ) Do not hold there check and not allow them any other solutions, as if they are the dictator over me or my employers account. 

I believe they are breaking the law. Please share- very frustrated Wells Fargo client.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by 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  be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of 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 I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand thaXXXX 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 promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that 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 conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that 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 will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.

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 2024-04-27 00:00:00
Product: Credit reporting 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:
i filed an ftc identity theft report and a police report in which i have sent both to XXXX, XXXX  and transunion on the below accounts that are not mine and fraudulent. they refuse to remove them. I want them removed immediately. 

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

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 2024-04-27 00:00:00
Product: Credit reporting 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:
i filed an ftc identity theft report and a police report in which i have sent both to equifax, experian and XXXX on the below accounts that are not mine and fraudulent. they refuse to remove them. I want them removed immediately. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I disagree with the account : XXXX XXXX XXXX which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Hi I was trying to do a transfer to my Bank Account with VENMO and it wouldn't let it go through. They then sent me a email and said my account was Suspended. Please help me with this issue. I need to pay my electric bill and can't with the account frozen. Social Security accidentally put me on the Death Database. This may be the reason. I'm not sure. But, I Uploaded the Erroneous Death Case-Third Party Letter from Social Security Office proving their mistake. I also Uploaded my Louisiana Driver 's License. 
Cordially

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Certainly, here are two paragraphs emphasizing the removal based on fraud and deception by credit bureaus : I am writing to urgently address the fraudulent account XXXX, purportedly managed by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. This account, which has been wrongly attributed to me, is a clear case of identity theft and fraudulent activity. Despite my repeated attempts to rectify this matter and provide evidence of the fraudulent nature of the account, these agencies have callously disregarded my rights and continued their collection efforts. Their persistent pursuit of collection on a fraudulent account demonstrates a flagrant violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the credit bureaus ' involvement in perpetuating this deception by allowing such fraudulent accounts to remain on my credit report is deeply troubling. Despite being informed of the fraudulent nature of account XXXX and receiving evidence supporting my claim, the credit bureaus have failed to take appropriate action. Their negligence in addressing fraudulent accounts undermines the integrity of the credit reporting system and jeopardizes consumers ' financial well-being. Immediate action is imperative to remove this fraudulent account and rectify the damage caused by the credit bureaus ' inaction.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several complaints and disputes to the Credit reporting agencies to know avail. I have been a victim of identity theft, and according to the fair credit reporting at 605 B the trade lines listed are to be deleted.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disagree with the account : XXXX XXXX XXXX which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
This company claims I owe them the amount of {$4000.00}. I have NEVER signed any contracts or had any communications with this company. This is all invalid and inaccurate and most importantly FALSE information. This is also illegally being reported on my consumer report which is causing damage to my consumer report and causing immense stress, depression, XXXX, and damage to my family and I. These inaccurate FALSE accounts on my consumer report is violating my consumer rights. As a consumer I have the Right to Privacy and I have the right to receive validation of this FALSE debt that is reporting on my consumer report. I DO NOT owe anything or have not signed any contracts and/or agreements with the company of Calvary Portfolio Services . I have consistently and constantly reached out to this company requesting Debt Validation, as well as demanding all inaccurate and FALSE information is removed from my consumer report however I have not received any remedy. My next step is involving the Attorney General as well as legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Received email about application I didn't put in. Didn't open to look at the link sent to see what happened but I never applied for care credit.

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