vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXXXXXX XXXX account number XXXX and XXXX XXXX account number XXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*Please note that the bureaus did not reply to my dispute letter.

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 2022-12-07 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:
In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXXXXXX XXXX  account number XXXX and XXXXXXXX XXXX account number XXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA.

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

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*Please note that the bureaus did not reply to my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I'm an XXXX XXXX XXXX widow. My XXXX  passed away on XX/XX/XXXX. 

He had a XXXX in his name with Vio Bank. 

I waited the required 40 days following my husband 's death. In XXXX I called Vio Bank at XXXX to ask what documentation was needed to transfer the CD to my name. 

I sent the documents, the death certificate and affidavit for collection of personal property, via certified mail and it was received by Vio Bank on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with XXXX XXXX. The same day he sent me an email stating that they had received the documents, and that they were being reviewed by the legal department. Once approved, they would close the account and send the payment. 

Since that date, I have sent two emails requesting an update : XXXX on XXXX and another on XX/XX/XXXX. As of today I have received no response. 

I would like to receive assistance in getting a response and settling this matter.

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 2022-12-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be 100 % accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Sent letters to request an investigation and to remove inaccurate information from my credit report. In my understanding with the Federal Credit Reporting Act, everything has to be 100 % accurate on my credit file. The reponse from the credit bureaus stated my file was properly investigated, how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal, they have violated my rights under ; -15 USC 1681 section 602A -15 USC 1681 section 604A section 2 -15 USC 1681s-2 ( a ) ( b ) ( i )

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 2022-12-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On cotober XXXX there were several unathorized transactions in my checking account total amount of {$3500.00}. I notified wells Fargo claim department that same morning. they told me they were going to investigate and meanwhile gave me a temporary credit. This is the second time it has happend, the first time back in XXXX they took almost {$30000.00} from my bussiness account wich after two weeks they just told me the problem was solve and credited my account without any explanation. This time they sent me a letter saying that the case is close and that based on their investigation it was me or someone I gave permission to, so they withdrew {$3500.00} from my account. The transactions were made in XXXX  while I live in XXXX when I asked for proof customer service reps were very rude and unwilling to help. I sent them a letter asking them to investigate further with copy of police report. 
I would appreciate any help or advice to help me recover my hard earned money, 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 monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Dear Ombudsman, I have a complaint that seemingly can not be resolved with customer services for my Barclaycard. 

I paid for a XXXX XXXX XXXX XXXX XXXX- on my XXXX XXXX That XXXX card was then hacked and I replaced it with the barclaycard in question, uploading the details of it to my XXXX account. 

I was then rebated {$610.00} on my transaction from XXXX, and they placed a credit on the card on file - the barclaycard. This transaction occurred on XX/XX/2022. Receipt attached. 

I have never received this credit, despite over 2 months of asking for it and following all protocol from Barclays. 

I spoke to customer services reps several times on the phone from XX/XX/2022 and went into great detail about what happened. I was recommended to write to Barclays at the " billing disputes '' dept with paper evidence of the transfer. I sent them : 1. the receipt for the transfer showing that the credit had occurred on XX/XX/XXXX from XXXX XXXX my barclaycard, 2. the statements showing it had not been credited either to the new XXXX XXXX XXXX XXXX, 3. a covering letter explaining that the money had not been debited first as a purchase from XXXX  on the barclaycard, so this was not really a billing dispute but a missing credit. 

I received no reply in a timely fashion, so called again several times between XX/XX/XXXX - XXXX and asked to speak to a manager. I call XXXX XXXX XXXX XXXX and I was told that this had been referred to the wrong dept and was not a billing dispute, and I am told this every time I write or call in. Each rep apologises on the phone for this truly awful service, but no credit has given. Case no is XXXX. 

Although they quote this case number over the phone, when they wrote to me again recently to tell me AGAIN it was not a billing issue and they could not credit the money to my account because of that, they quoted this reference number : XXXX XXXXXXXX. 

They also verbally take no liability for not receiving the money, if this is what happened, saying this is XXXX 's liability. XXXX say they are liable for sending the money only. They have seen the receipt XXXX sent me showing the money clearly transfer onto the correct credit card. 

Additionally I am racking up a phone bill from the XXXX XXXX XXXX XXXX XXXX XXXX every time I call, and Barclays have been earning interest on the {$610.00} since XX/XX/XXXX. 

I would like Barclays to give me the money I am owed and additionally take off the annual fee of {$99.00} for my inconvenience. 

Please help! 

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 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I made Several attempts to Experian, XXXX, XXXX remove the Bankruptcy off my credit report. it showing that I filed a XXXX XXXX  with i didn't. and XXXX XXXX  I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.

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 2022-12-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have submitted disputes to you, and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Credit Supreme LLC
State: GA

Complaint narrative:
XX/XX/2022 a collection was added to my XXXX credit report by 12 Credit Supreme LLC. I have no affiliation with this company. Per further research, they are reporting a debt belonging to someone else with a similar name living in the same city I reside. 

Supreme Credit LLC continues to " verify '' the debt of someone elses account on my credit report. Said person has a totally differently last name. I now have an " alias '' name reporting to my credit report with a last name and addresses i've never been associated with. 

COLLECTION AMOUNT : {$67.00} In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 12 CREDIT SUPREME LLC 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
In at least 3 different multiple instances my wife is receiving collection calls from Exeter Finance for a debt on a XXXX product. We have repeatedly advised to not call her. We don't own a XXXX and have never financed anything with Exeter Finance. In fact, none of the data matches what they are trying to collect on. Repeatedly we have requested to be removed from their phone system. My wife 's name is XXXX XXXX. We live at XXXX XXXX XXXX XXXX MI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On a shared credit card with myself and my XXXX there was accidental charges on a vacation overseas as 53rd now has designed their debit cards with a near identical design as their debit cards. As a result several XXXX dollars were charged on our credit card we had never used in the XXXX years we had it. This card was not linked to our online banking, which is how we do all our banking and bill paying. Despite being told by multiple people at the local branch, it is standard practice and policy to have all the accounts a client has under XXXX login profile, after XXXX visits there and several hours they were able to link it. This was after they reported missed payments to credit reporting companies, dropping my credit score over XXXX points from around XXXX. This will cause SIGNIFICANT financial hardship in extra cost of borrowing for future mortgages and loans, based on a missed {$600.00} payment I was not aware of, of which was paid in full the same day I was made away of it, not from 53rd but a credit alert from XXXX XXXX. By the time I was alerted of this, 53rd refused to correct this on reporting despite over XXXX years of on time payments and this being a result of a glitch in their technology ( which they actively push everyone to use ). This glitch in their technology is written off by them by saying they mailed statements, of which I have no confirmation we ever received, and their next measure was to have a XXXX party agency call my cell phone and demand I give them my Social Security and other personal information BEFORE they could give me any details on who I was giving this information to or what it was regarding. I think anyone with a hint of good personal security procedures would find this a grossly negligent method of attempting to alert a customer of a balance due that results in 53rd likely gaining extra interest and fees through a knowingly inadequate and dangerous method of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
Buy a water filter for {$4500.00} with monthly payments of {$47.00} every month for 7 years. The first four payments were made with the debit bank card information without problems. In XXXX I went to pay with the card and they didn't accept it because it had to be with the checking account and at that time I didn't have it and they blocked my call. I called them several times to make the payment and they did not answer me. Now in bad faith they preported me four late payments to the credit bureau companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I'm trying to reach out to anyone who can help me. I wired money to our title company on Monday for the closing costs on my home and the money has been in limbo since then. I have spent hours on the phone with representatives at Marcus Goldman Sachs to no avail. I have even asked for my money back so that I can send it to another bank and they have not don't so. I'm going to lose the house that I have already put earnest money toward and I am without a home currently because I can not get the keys until the bank gets the money. Please let me know what else I can do. I've never been given the run around as much as I have these past XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate. 
Account name : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report. 



2. Unauthorized/Erroneous Account RESULT OF The XXXXXXXX XXXX XXXXXXXX Direct Violation of The FCRA Reporting falsely. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices Account name : XXXX Account Number : XXXX Please remove this account from my credit report. 





3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
Account Name : XXXX Account Number : XXXX Please remove this account from my credit report.

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 2022-12-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
An impersonator got hold of my SSN and opened a new credit card line with XXXX. The card was is a XXXX XXXX store credit card. It showed up in my credit report and Ive tried to contact the bank and XXXX to get that account out of my credit report. Despite repeated attempts nothing happened. 

Surprisingly, the impersonator was making all the payments until they stopped making them. XXXX reduced the credit limit on the line and now the card is balance exceeds the credit limit and payments are not coming in which is making my credit score go very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Ability Recovery Services, LLC
State: LA

Complaint narrative:
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : Ability Recovery Service XX/XX/2022 in the amount of {$1400.00} Ability Recovery Service XX/XX/2022 in the amount of {$760.00}.

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