vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX is being sued by TD Bank USA over disputed, unpaid credit card charges to Target XXXX XXXX. TD Bank closed the account and is seeking summary judgment. While the retailer sees the charges as incurred, the fraud is in the processing of payments by Target XXXX XXXX online processing and possibly a software oversight. Target 's fraud unit believes the case closed yet she maintains the position by evidence of Target 's own reporting that online payments using the 3rd party one-time payment function will show as posted by Target but reversed thereafter, in this case up to 7 days. This lag time was exploited and XXXX had purchased and shipped 4 computers to Texas prior to uncovering the scam with the help of the XXXX XXXX TX police. They also discovered a totally separate almost exact incident involving others. The payment accounts ( 2 total ) were tied to XXXX  citizens in California and Florida whose accounts were initially compromised as well. The entire operation folded up completely, all traces of phones and internet presence irretrievable without a XXXX XXXX XXXX or similar. 

This was an elaborate online scheme where XXXX was offered a potential position/job description via email in logistics management of export/import accounts for offshore drilling concerns at XXXXXXXX XXXX XXXX in New Jersey. An entire training and certification regimen of study materials and tests was involved. She was then to be involved in expanding NY operations and asked to make computer purchases on her account to avoid IT tariffs for the XXXX  company whose address was validly theirs in XXXX. 
To prove they were legitimate, the company provided an account number to pay off her existing Target XXXX balance which worked flawlessly on XX/XX/29 but their payment was then reversed some 7 days later on XXXX by Target citing insufficient funds. That lag proved critical and XXXX shows in attachments how even Target 's own reporting shows different payment posting dates. But by that time XXXX had purchased and shipped 4 computers, thought to be intercepted by " porch pirates '' using TX delivery addresses as points to intercept the shipments. 
She tried to reason with Target but they summarily closed the case fast in their Fraud department, taking the position charges made/charges due without much of any reply. Further their representatives were particularly rude to an XXXX XXXX XXXX grandmother. She could not gain the actual signatures for receipt from XXXX. XXXX XXXX refused to locate or lock the systems despite providing serial numbers and was uncooperative. Only XXXX XXXX, TX provided help with some assistance from her hometown police. 
An entire timeline is attached along with supporting documents showing these discrepancies and a trove of additional documentation is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTXXXX 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 Bankruptcy/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681S-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
Prosper has placed a block on my card and account. Upon receiving my new card in the mail today, I am unable to activate and use my funds. I called and spoke to a supervisor, XXXX, who informed me all they can do is submit a request to a team who is working on it as my account is under review. Ever since I opened this account, I have had countless issues, from account blocks to fraudulent transactions and sudden limit decreases. I need my card to be unblocked with access to my funds 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 explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was scammed pretending to be loan lenders and those scammers remotely accessed my account and did unauthorized transactions, I have text message alerts to all major transactions made but never received any text, i came to realiaze later that my account is negative, those scammers had already pulled money out of my bussiness account, i did attatch all dates and phone calls made to my bank since XX/XX/2023, They are threating to permanently close my account if i don't pay money stolen. I have had that banks almost 15 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I currently do not have a social security number but I have credit accounts with an ITIN number. I requested my free credit reports and was able to obtain reports from XXXX and XXXX. Experian refused to give me my report because I don't have a social security number.

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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I did not request the convenience check but American express issued the check and charged on my credit card without my authorization

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: ME

Complaint narrative:
Submitted a dispute through XXXX. Account appears twice on my credit report, one under XXXX and again under Truist. Both accounts show charged off with the same account number and balances owed which is correct. Tried to get one of them removed through the dispute process but Truist and XXXX refuse to do so. Contacted Truist by phone and they said there is nothing they can do about it and I have to deal with both negative accounts until XXXX. I didnt realize that a company can switch names and report to the credit bureaus twice for the same 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 non-monetary relief
Consumer complaint received 2024-05-01 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: NY

Complaint narrative:
" Your agency is in violation! 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  XXXX XXXX {$4100.00} XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Fraudulent application for credit with Capital One Walmart Rewards Card was attempted using stolen identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of this year I received a call from XXXX XXXX XXXX ( XXXX ) regarding a {$10000.00} outstanding PayPal debt through a XXXX XXXX. They followed with a phone call 3 weeks later. XXXX had sold this debt to XXXX, and XXXX was trying to collect this from me. I have NEVER had a PayPay account and made this very clear to them. Still they have been calling and sending forms. I spoke to to XXXX this morning because they said they needed more information. When they asked for my address, I gave it to them which they already had. They also have an address for a XXXX XXXX at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX. I asked why they hadn't pursued this and couldn't get a reasonable answer. XXXX offered me a settlement which I declined because I'm not going to pay for something that's not mine. XXXX only wants to collect this debt. I need this to go away because it dropped my credit rating from the high XXXX range to the mid XXXX 's. Please help me with this. 
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 non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I contacted Bridgecrest to see when the vehicle would be sold and my credit reporting updating for the amount I'm responsible for and I have not received the amounts or any information regarding this request. I do not owe the amount show and want this removed due to inaccurate information on credit report and it as a voluntary repossession due to lost of job ( due to health reasons ) and they put involuntary.

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 2024-05-01 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTSXXXXXXXX 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 Bankruptcy/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681S-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTSXXXX DEPTEDXXXX/HAS VIOLATED MY RIGHTS/ 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 XXXXXXXX XXXX/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTEDATES THE REPORT BY MORE THAN 7 YEARS.

15 U.S.C 1681S-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Starting on XX/XX/year>, I called Firstmark Services regarding my payment not properly being applied to my loan on the online portal ; I was told that the date of repayment was wrong and began a month earlier. This was an internal system error that also caused my payments to not be applied to the correct date which has resulted in all my statements showing a " past due '' and " current amount due '' that is wrong ; I am unable to fix this, even if I pay the entire amount due- I've tried this and it did not fix the issue. 

Since then, I have repeatedly called Firstmark Services to rectify this issue, I've submitted tickets, escalated the tickets, and spoken with supervisors who told me that their team is working to fix it, but its been several months and the issue is no closer to being resolved. I had to personally call them to change the priority status of my loan or else it would have negatively impacted my credit even though its entirely their fault. 

I have been trying to refinance a group of loans including the one serviced by Firstmark Services since XX/XX/year>, the refinancing company I have chosen requested an updated statement showing {$0.00} past due ; Firstmark Services is unable to provide me with this since their system is/has been having issues. Providing a confirmation of payment and current loan statement for my Firstmark Services loan was not a sufficient replacement for this. 

Now on XX/XX/year>, Firstmark Services has still not fixed their internal system issue and I am still unable to get an updated statement with my accurate loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom it may concern, Attached you will find information I have identified that needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2024-05-01 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-05-01 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo opened an account in my name, I continued to receive statements. I called them multiple times to close the account and find out who opened the account. I would like to report this as fraud.

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I went to the United bank ATM to make a deposit & I deposited {$800.00} into the ATM when it took my money, said transaction cancelled but did not give me back my money. I filed a dispute with my bank but they are saying the ATM balanced out & there is nothing more they can do when I in fact know I deposited this money because even my mother witnessed me do so. I need help because this is my hard earned money that they are taking away from me.

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 2024-05-01 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: SC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

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