vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT

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 2023-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was contacted via Postal Mail on XXXX XXXX about a XXXX credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX District Court XXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included Huntington National Bank ( the true creditor ) out of XXXX Ohio. XXXX : {$980.00} on XX/XX/XXXX total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with Huntington Bank with the last payment made in XXXX XXXX I visited the Local Huntington Bank Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to XXXX the debt collector also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have old addresses, phone numbers, and wrong names on my reports.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have old addresses, phone numbers, and wrong names on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/XXXX I went to the emergency room at XXXX XXXX, XXXX NC. I received a bill for services dated XX/XX/XXXX for {$900.00} from XXXX XXXX XXXX XXXX. I contacted my insurance carrier XXXX XX/XX/XXXX and was told the in-network bill was paid. I returned the bill stub stating this fact. I received XXXX more statements stating that I owed the {$900.00}. On XX/XX/XXXX I initiated a chat with XXXX with XXXX XXXX XXXX XXXX. I gave her all information she requested and told her XXXX said they had paid the claim. She advised it would take XXXX days. XX/XX/XXXX XXXX XXXX XXXX XXXX sent yet another bill for {$900.00}. XX/XX/XXXX I received a bill from First Point Collection Resources for {$900.00}. I contacted XXXX XXXX my representative for XXXX. He researched the claim and concluded the claim had been settled per the terms with XXXX. I sent his report to First Point and XXXX XXXX. First Point continues to insist that I owe the {$900.00}. I want this cleared up and my credit restored as I have simply followed instructions from my insurance carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a auto loan with this bank. I received a notice that I was entitled to money when I sold it to another dealer. The money was due to a gap policy. When I received the notice the due date had already passed. I was not able to work this out with the bank.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX I wrote a check for {$670.00} even. The very next day looking at my bank account I noticed a withdraw of {$970.00}. The check clearly was written out for {$670.00} both numerically and with the write grammar of XXXX XXXX seventy-five dollars. ON XX/XX/XXXX I called customer service at US Bank to confront the issue. I was first told a supervisor would need to investigate and get back to me with in 3 days. That never happened so on XX/XX/XXXX. I called again looking for a solution where another customer service agent informed me that a XXXX will need to file a claim. I waited a week and around XX/XX/XXXX. I called yet again only to discover the claim had not been processed accurately. Therefore no claim was set up. I am still owed {$300.00} dollars. I called XX/XX/XXXX and this time a claim was filed via claim # XXXX. I was told it could take XXXX to XXXX business days to resolve. Today XX/XX/XXXX I called again and was told the claim is still in process and yet again without {$300.00} owed to me. I don't understand how hard this is to resolved which was clearly a teller error or computer error. Please help resolve

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: MO

Complaint narrative:
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. US Bank 6. XXXX XXXX This was very disturbing as I am not aware of any of these enquiries.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. BMO Harris This was very disturbing as I am not aware of any of these enquiries.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My bank always negative

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in XXXX and TransUnion data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
Hello the company XXXX, didn't take appropriate action on worker that opened up XXXX in my name. I did not agree to buying the phone and left the store with no purchase. I did not pay nor sign for anything and reported this to the manager which no problem has been solved. The item that was fraudulent opened in my name was a XXXX XXXX XXXX I believe valued at around {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Someone opened an IKEA credit card in my name and charged, in XXXX, in excess of {$7600.00}. I never applied for an IKEA credit card, but did receive a card a few days prior to receiving the statement from IKEA for the fraudulent charges. 

I live in XXXX  and Ive never even been to the state of XXXX and on the date the charges were made I was in XXXX, XXXX  purchasing a home. 

I contacted IKEA and they assured me they would take care of the matter and have the card canceled and notify all three credit reporting agencies. As of this date that has not occurred. Then I received a letter from Comenity Bank, the bank issuing the card on behalf of IKEA, requesting that I lift the credit freeze so that they could continue with my application- WHAT? - they already issued the card which allowed someone to make fraudulent charges to me in the total amount of {$7600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
FEB DESTINY is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a Wells Fargo account in 2011 that was closed due to fees being owed but they were paid several times in hopes to just get the account back to good again.

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 2023-01-20 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: FL

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Hi I got an alert on my email regarding the change in my credit report because some of the companies were using my credit report without my concent. XXXX are as follow : - XXXX. XXXX XXXX XXXX XXXX. Wells Fargo

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 2023-01-20 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: NY

Complaint narrative:
XXXX XXXX  is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: NY

Complaint narrative:
XXXX XXXX  is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX I opened a Well Fargo checking account. At the time I lived in XXXX, GA. I thought that I would be XXXX of the people notified when the lawsuit was filed but I was not. Maybe because I've been back in SC since XXXX. I had nothing but agony the entire time I had this account. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bank always found a reason to allow my checks to deposit a following day. I would have so many checks with NSF. Every month. The employees were rude. On XXXX occasion during a dispute, a XXXX followed me out of the bank as if he was going to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After I was denied a housing loan I left the bank. Even today, I still carry the hate I have for Wells Fargo. In XXXX my mother took out a {$2500.00} loan for us to go XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX she was still with Wells Fargo and still paying back the loan. I told them that they were lucky because if it was me they would never get another 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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo was charging me for fees incorrectly

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 2023-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX I have reached XXXXXXXX XXXX XXXX dept and all 3 credits bureau to remove the delinquent filed by XXXX XXXX XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, XXXX XXXX purchased XXXXXXXX XXXX XXXXXXXX Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account XXXXXXXX XXXX XXXXXXXX in full and had no issued. 

I was told by XXXX XXXX customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
XXXX XXXX did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted XXXX XXXX and paid the amount due on XX/XX/XXXX. XXXX XXXX file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. XXXX XXXX report is incorrect as there was no balance due on my XXXXXXXX XXXX XXXXXXXX account. XXXX XXXX added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of XXXX XXXX my credit has been tarnished for seven years.

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