vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 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 have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXXXXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, Transunion, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.

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 2023-09-13 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 have a fraudulent account on my credit report that need to be removed XXXX - XXXX XXXXXXXX XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from XXXX. Next my other concern is inaccurate reporting too XXXX, XXXX, and Experian by XXXX XXXXXXXX XXXX and XXXX XXXXXXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.

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 2023-09-13 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: CA

Complaint narrative:
Ability recovery services is reporting a debt from XXXXXXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but XXXX XXXX wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but XXXX XXXX wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have experienced debit card fraud twice with Huntington bank now. I have had {$980.00} stolen from me over the past few months. Before the month of XXXX my account was never overdrawn by myself and now I cant keep up with all the fraud. Huntington provided provisonal credits while they investigated back in XXXX. They claim I authorized the transactions in the state of Florida while I was present in Ohio at the time. {$640.00} was taken in XXXX and {$330.00} this month. Now my accounts are locked out. I cant access anything in my name. I went into the branch today and I was able to take some cash for the time being but I need to be able to pay my online bills. This is honestly ridiculous. I requested the documents they used to prove I authorized the transactions back in XXXX and they have failed to provide them now for the second time. My account is on hold and frozen and I cant access anything. I need help!!! Huntington bank has failed to help me in this time of need! XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Around XXXX XXXX  on XX/XX/XXXX - I called the customer service number. I made payments but I still had customer service call me to find out if payment has been posted.

The customer service person was slurring and sounded drunk/high. When I told him I can not understand him. He became aggressive and started yelling the answers at me.

I asked him if I have a balance he said no. I told him I keep getting calls from bill collector than he says yes I have balance. 

I told him I have 2 cards. One is store card and one store mastercard - which one has balance. He said he CAN NOT tell me.

I authorized who I am and recited last 4 numbers of the 2 cards so I know which one to pay. He kept cutting me off saying NOPE, NOPE, NOPE.

Than I told him he is extremly rude and I need a manager. He than mumbled " Too Bad '' followed by I am sorry after I mentioned I am reporting to CFPB.

This person sounds unhinged and I am afraid he has access to home address, social security number etc.

This is how peoples credit score gets impacted and creditors show missing payments when trying to make payments. 

I still do not know which account has the balance and how to pay it.

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 2023-09-13 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: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint against credit reporting agency TransUnion through the consumer financial protection bureau. On XX/XX/XXXX I received a response stating that there was a response from the company. The response said that after " CAREFUL REVIEW '' it was determined that the information was not currently on my Transunion report. However, upon further research into the matter I have determined that the item is indeed showing on my Transunion report. The item appears as XXXX XXXX in the amount of {$200.00} with the original creditor being XXXX XXXX. It seems to me that Transunion 's " careful review '' is inadequate. Below is the original text of initial complaint. 

On XX/XX/XXXX I received an email correspondence from a representative with XXXX XXXX AKA XXXX XXXX. This correspondence stated that I had a past due bill of {$270.00}. The representative stated that {$25.00} of that amount was a late fee that was agreed to being waived after I had complained about it being added. Therefore the amount to be paid was now {$240.00}. I paid that amount. There should have been no more billing after that payment as my account had been closed for quite some time at the point of that payment. However, XXXX XXXX AKA XXXX XXXX, continued to bill me with more charges. I disputed this information with the credit bureaus at some point and had these erroneous entries removed from my credit report. Over the course of time I have lost the original billing statement that I had sent in to the credit bureaus to prove that I had paid what I had owed at the time. XXXX XXXX AKA XXXX XXXX sold the account to another debt collector and this falsely reported charge off has been hindering me for years. I even requested billing statements of which the collection agency provided incomplete statements. This collection agency provided statements from XX/XX/XXXX and beyond. These are statements that should never have been sent me. When I requested statements from XXXX and XX/XX/XXXX I never received a response with that information. Every time that I dispute this information with the credit bureaus, the credit bureaus allow the information to remain and report it as " resolved ''. If they have information to say that I owe a continued debt that I know that I do not owe, then they should be able to provide a statement of what was owed to them as of XX/XX/XXXX. That is the debt that was paid. I do not owe this company any more money nor should I owe any company that they sold a false debt to.

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 2023-09-14 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: AZ

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

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2023 i received numerous transactions from the same person using a XXXX card and it was added into my paypal account without me knowing anything about any of this issues causing my paypal account to get charged almost {$3000.00} dollars either paypal nor XXXX are helping me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has let multiple charges go through my account and charged me overdraft fees after multiple conversations to decline any charge made without the proper funds. I deposited a check on XX/XX/XXXX in the amount of {$3000.00} ( from a bank that they had previously received a XXXX check from and cleared with no issues ) to Wells Fargo to avoid further charges or overdraft fees. I made the deposit via the mobile app and after a not so great conversation with the level 2 call center regarding the unnecessarily long hold, the gentlemen proceeded to then reject my deposit causing me to have to physically go to the bank to make the deposit. I received a receipt stating a partial hold would be released on XX/XX/XXXX and the remaining on XX/XX/XXXX and that no further overdraft fees would incur. That was not true. I woke up to a notification that an additional 7 day hold was applied to my check from XXXX XXXXXXXX XXXX, for no reason and to more overdraft fees charged. I have called Wells Fargo call center multiple times today and received nothing but hostility as well as the Branch Manager locally. I called the local branch at XXXXXXXX XXXX  on XX/XX/XXXX and never received a call back. I then called again at XXXX XXXXXXXX  to get an update. They are saying they are unable to verify the funds, however they waited until XXXX PST to even call to attempt to verify the funds from an XXXX XXXX XXXX  XXXX They have told me there is nothing they can do and that I have to wait till XX/XX/XXXX. 

The way I have been treated by Wells Fargo in the years I have banked with them is disgusting. This last and final event that just occurred was the final straw. The complete disrespect and disregard for people is astonishing.

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 2023-09-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

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 2023-09-13 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: IL

Complaint narrative:
I was trying to purchase a new home, so I decided to check my credit report, I then realized that I had damages on my credit report and accounts that were not recognizable to me/ accounts opened I have no knowledge of. I reached out to each bureau to notify them that there was information listed that was fraudulent and were from an alleged identity theft.

According to the 15 U.S.C 1681c-2 law 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.

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 2023-09-13 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: IL

Complaint narrative:
There are several accounts on my credit report listed as a charged off, which means that the company has written off that debt as a loss the debt has been reported to the IRS I should have received a XXXX form from the IRS for the balance that I owe since the companies wrote it off as a loss so I'm disputing these charge-off accounts For the this reason alone. I never received a XXXX cancelation of debt form and because of that, this account or these accounts should be deleted. This is a violation of 15 USC 1681EB.

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened an account with US Bank back in XXXX. I signed up for an offer that I would receive a bonus if I deposited {$5000.00}. I immediately deposited {$3000.00}. Shortly thereafter, they froze my account without explanation. They later informed me that my account was headed for closure. Towards the end of XXXX, they informed me that my account was closed and I would receive a check in the mail. Nearly a month and a half later, I have NOT received any funds. I have no access to my account nor my money. 

US Bank has not provided any information regarding this and despite closing my account, is still " investigating '' my account, which is why the will not remit my funds to ME. 

They have not been helpful in the slightest and provide no insight into the status of my account. 

They are withholding capital from consumers. This is unethical to say the least. I will begin to look into legal solutions at this point.

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