vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 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: TX

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; I recently bought a car and the dealership was excessively pulling my 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
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays took over old navy and failed to send statements new card or grant access to account. I have been calling Barclays for about two months to fix the issue and they have told me multiple times it was their fault and were going to reverse all fees and interest to original amount but never do. They use deceptive practices to try and collect money that I am not responsible for saying they have corrected the charges but it is never corrected after five calls. They will tell me to call back and still the amount has not been adjusted. All these calls have been recorded. They also stated my credit report would not be affected and it still shows. They continue to lie even when they stated it was their fault. This is on recorded conversations.

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 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I authorized a XXXX payment of {$800.00} to XXXX XXXX for purchase of a puppy on her website XXXX XXXX XXXX She received the funds and has never delivered the puppy. I did some investigating and the puppy I was trying to purchase is XXXX  famous. I contacted WellsFargo and they refuse to refund my money. Please help.

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 2022-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC.
State: CT

Complaint narrative:
They didnt have no papers with my signature on them nor sent any paper forms. Additionally they call everyday different numbers, and I receive messages saying they will send it to a law office in my state to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: IL

Complaint narrative:
When I terminated XXXX XXXX service at a previous address I was not under contract yet XXXX assessed a {$30.00} early termination fee that they refused to credit. Ultimately I was not aware that XXXX claims to have sent this to collections and paid the {$30.00} immediately when I found out. However, as a result of this erroneous charge, which never shouldve been billed to me in the first place, and which has been paid off in fullmy TransUnion credit score decreased over 100 points, to where I cant get approved for the best mortgage rates and I was just denied for a credit card. Worse, I have disputed this factually with TransUnion three times and yet it still remains as a negative sharply, depressing my credit score, especially when looking at the difference between my TransUnion score and the other two agencies. How a {$30.00} charge could have such a negative and disproportionate impact on a credit record that is otherwise flawless, eludes me and I want to fix it because this is an injustice not just for me, but for so many other consumers, who are held back from their American dreams by the most trivial information with no accountability to correct 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 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a call from a company saying someone had ordered {$4500.00} worth of car parts through XXXX- they wanted me to confirm the charges. I did not order them, so they declined the charge. They told me to check my credit report because this was likely a stolen identity fraud situation. The report shows two open accounts that are not mine tied to an address in Florida that is not mine. I live in XXXX, TX. I called TD Bank NA ( acct opened in XX/XX/22 ), which shows a {$6000.00} balance that is two months overdue. They weren't able to do anything since I didn't have the complete card number - the credit report only shows the first 6 digits. I filed a fraud alert with XXXX, XXXX and XXXX and froze my credit report with all 3. The 2nd account was a XXXX XXXX  account that was opened on XX/XX/22 tied to XXXX. They were very helpful, found the account tied to the Florida address and shut that card down. The address tied to the fraud is XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I was told by XXXX that they are using my name and my SS #.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
A bill for XXXX XXXX from XXXX for approximately {$340.00} was paid in full. Three times collection agencies attempted to collect this paid debt. Each time the companies had to remove the debt collection from my record as I don't owe the debt. 

Approximately a week ago, I was notified by my credit report companies that there was a new debt collection account on my record by a company called Convergent. I never received a letter from them to date. However they already put the account on my credit reporting as a collections account, thus tanking my credit score. 

I filed this same complaint ( ID : XXXX ) on XX/XX/XXXX against XXXX XXXX XXXX for attempting to collect on the same account, which was verified as paid in full back in XXXX and they apologized and removed it from my credit reports immediately. 

I spoke with this new company, Convergent, one time. They verified that they never sent a letter to me despite having my correct address stating they 'preferred " to handle accounts over the phone. I spoke with a representative and then a supervisor, who was rude, unhelpful and argued with me when I tried to explain you can't not send a letter and turn my account over to my credit reporting companies. They didn't care and kept pushing me to settle the account " for far less money than what I owed. '' Please see attached documents regarding previous complaints regarding this account. 

Thank you

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Wrong name and wrong addresses and collection accounts that has been closed but says a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORG GC GP BUYER, LLC
State: CT

Complaint narrative:
I am a store XXXX for XXXX, in CT. I attended XXXX XXXX for a few months. XXXX provides 100 % free education to their employees and a company named XXXX helps to get things registered. I went for a few classes and my district manager stated that I could not attend any more because my job needed more of my attention. So, I withdrew from the class, as directed by my supervisor. I spoke with the student advisors and explained what was going on and she removed me from the one class I was going to take. I was never sent a bill, told that I was supposed to pay for this. I applied for all the federal loans/forms as XXXX had asked me to. I do not know how XXXX and XXXX even pay for these classes for the employees. I should not have to pay because it was never for me to pay, it is XXXX who conducted the transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently spoke with Chase and Settled an account where it was stated the account will be reported as a XXXX balance and settled for full or lesser than the full balance. However that has not occurred yet and Chase actually simply reported the Settled payment amount and removed it from the total balance. The account has not been changed to {$0.00} and has not been reported as settled for equal or lesser than the full balance. I also have not received the letter stating this however this was discussed on a recorded call as chase stated the call was being recorded. I dont understand why the payment was reported to the credit bureaus instead of the account just changing to {$0.00} and settled as it was stated on the phone. Additionally,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT RESOLUTION posted a random medical bill on my credit report but I dont know this company or what they are trying to collect. Addittionally I have never done business with this company I mailed them a certified letter requesting all information about the debt. The letter i sent stated I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in an attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. I have yet to receive a response from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 30 days, Equifax on time, XXXX 30 days. Also XX/XX/XXXX : XXXX on time, XXXX on time, Equifax 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 60 days, Equifax on time, XXXX 60 days. Also XX/XX/XXXX ; XXXX on time, XXXX on time, Equifax 30 days. 
Date Last Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive found a few inaccuracies in the following accounts and these need to be removed. Please send me a new credit report reflecting the changes. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 30 days, XXXX on time, Experian 30 days. Also XX/XX/XXXX : XXXX on time, Experian on time, XXXX 30 days. Last day reported, and last day active is inconsistent on the 3 bureaus. 
XXXX XXXX # XXXX Delete this account for inaccuracy because the payment history shows on XX/XX/XXXX : XXXX 60 days, XXXX on time, Experian 60 days. Also XX/XX/XXXX ; XXXX on time, Experian on time, XXXX 30 days. 
Date Last Active : XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/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 2022-09-17 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: AZ

Complaint narrative:
I am a victim of identity thief. Ive submited a FTC report and a CFPB report over 30days ago. The law says FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Its been past four business days clearly and conspicuously. I demand you block the folowing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-17 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: FL

Complaint narrative:
Tuesday XX/XX/2022, I woke up to an alert from the credit agency a collection account had been put on my report. I notified Equifax, since its only reporting to them, of the account is a fraud account, I disputed the account online and several times on the phone with multiple agents who do not want to be bothered. they clearly see I am a fraud victim. I notified the company that put the collection account as well. I was told by Equifax I had to wait 30 to 45 days to complete. I do not feel this is right reporting inaccurate information on a fraud victim. The fraud department said it would be removed within 24 hours from Tuesday. It has not been removed they give me the run around they throw me around to different departments back and forth. they do not want to be bothered with the fact, yet another fraud account has hit my report. I pay for memberships ; I lock and freeze all agencies so no one can add fraudulent information. Since Tuesday the XXXX I have been spending hours on the phone with Equifax trying to get this resolved. I am asking to remove this collection account, as I already spoke to the collection agency as well advised it was fraud and to remove this account. it is not my account ; Equifax has the documents sent in that this is not my account. Please remove this account from my report as it is not my account and does not belong on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently bought a car and the dealership was excessively pulling my 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
Consumer complaint received 2022-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently bought a car and the dealership was excessively pulling my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently spoke with XXXX and Settled an account where it was stated the account will be reported as a XXXX balance and settled for full or lesser than the full balance. However that has not occurred yet and XXXX actually simply reported the Settled payment amount and removed it from the total balance. The account has not been changed to {$0.00} and has not been reported as settled for equal or lesser than the full balance. I also have not received the letter stating this however this was discussed on a recorded call as XXXX stated the call was being recorded. I dont understand why the payment was reported to the credit bureaus instead of the account just changing to {$0.00} and settled as it was stated on the phone. Additionally,

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with XXXX and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with XXXX and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.

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 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with Wellsfargo and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.

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