vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This card only used for a balance transfer, never a purchase. To start a late fee was charged XX/XX/XXXX, then reversed when I called on XX/XX/XXXX. The late fee appeared as a " purchase ''. After reversal cents continued to show monthly under " purchase balance subject to interest '', the the {$1.00} late fee was charged. Note, each month the minimum payment of {$25.00} was paid along with another {$25.00} to {$75.00}. 

I called in XXXX I called about this. They thought it should cycle off, but never did. On XX/XX/XXXX I called again, spoke with XXXX who investigated, agreed, and reversed {$4.00} ( 4 months {$1.00} fee and {$.00} monthly interest charge ). 

My XXXX invoice show another {$1.00} fee charged plus now a {$.00} " purchase subject to interest ''. I just can't waste more hours on hold, in a que, talking to another representative about these ridiculous fake charges that make no sense. 

My point is not just the time a irritation with Wells Fargo, but think of the enormousness if this accounting is being done to millions of customersXXXX

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( XXXX ) ( b ). 
Account name : XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a formal complaint against Equifax regarding their failure to address multiple fraudulent entries and inaccuracies in my credit report.I have mailed in the documents and Equifax has failed to update or send me updated credit report. I have been a victim of identity theft and human trafficking, which has resulted in numerous fraudulent accounts being opened in my name without my authorization. These fraudulent accounts, along with an incorrect public record, have severely impacted my creditworthiness and financial stability. Despite multiple requests, Equifax has failed to remove the following fraudulent accounts and public record from my credit file : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct these inaccuracies : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax is legally required to block fraudulent information from my credit report once notified of my status as a victim of identity theft. Section 609 ( 15 U.S. Code 1681g ) : Equifax has failed to provide accurate and complete disclosure of all information in my file. Section 611 ( 15 U.S. Code 1681i ) : Equifax has not conducted a proper investigation into the fraudulent accounts and public record within the legally required XXXX period. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: OH

Complaint narrative:
My order was cancelled because you changed the finance terms to something I couldnt afford any more and it was cancelled with in XXXX to change the XXXX insurance Carvana is still trying to keep {$990.00} from me when no service was ever provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
A collection agency called several times attempting to collect debt {$380.00} from me since XXXX on XXXX XXXX account number ending XXXX and I've informed them that I do not have any credit account with them, nor did I make any sandal purchase from " King Size '' catalog. The below information was extracted from card statements provided in the attachments which were mailed to me in XXXX, XXXX ; by Sunrise Credit Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The charges consists of : XX/XX/XXXX - KING SIZE CATALOG PURCHASE - CATALOG - SANDALS- {$80.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - LATE FEES - {$29.00}, {$35.00}, {$40.00} & {$40.00} INTEREST CHARGES - {$2.00}, {$2.00}, {$3.00} & {$4.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - LATE FEES - {$41.00}, {$41.00} & {$41.00} INTEREST CHARGES - {$5.00}, {$6.00} & {$7.00} Additionally, these statements show my address in Ohio which I've not lived at for over 10 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 explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
I am writing to you today regarding account # XXXX which was originally held by XXXX XXXX XXXX I have legally assumed this debt as a good will because XXXX XXXX XXXX has been unable to pay it and have paid it off in full I have documentation to prove it. ( See attachment ). 
The purpose of my correspondence is to see if you would be willing to make a " goodwill '' credit adjustment on the reporting of this account as PAID IN FULL to the XXXX credit agencies under my name. 
Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX I would like to STRESS that the information currently being reported is accurate, ( I am not disputing anything with XXXX XXXX  XXXX XXXX I am asking XXXX XXXX XXXXXXXX for a courtesy gesture of goodwill in having the credit bureaus adjust this account with the new account holder. 
I do recognize that this request is unique and that it may not be XXXX  XXXX XXXX normal policy. 
Please consider that the Fair Credit Reporting Act Section 623 ( attached ) demands that all accounts be reported and updated accurately if that account was reported to that credit agency. 
Therefore, Example XXXX XXXX XXXX will do that in this case for the above referenced account. 
Your kind consideration in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: GA

Complaint narrative:
I am writing to you today regarding account # XXXX which was originally held by XXXX XXXX XXXXXXXX I have legally assumed this debt as a good will because XXXX XXXX XXXX has been unable to pay it and have paid it off in full I have documentation to prove it. ( See attachment ). 
The purpose of my correspondence is to see if you would be willing to make a " goodwill '' credit adjustment on the reporting of this account as PAID IN FULL to the three credit agencies under my name. 
Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX I would like to STRESS that the information currently being reported is accurate, ( I am not disputing anything with XXXX XXXX XXXXXXXX XXXX I am asking XXXX XXXX XXXXXXXX for a courtesy gesture of goodwill in having the credit bureaus adjust this account with the new account holder. 
I do recognize that this request is unique and that it may not be XXXX XXXX XXXXXXXX normal policy. 
Please consider that the Fair Credit Reporting Act Section 623 ( attached ) demands that all accounts be reported and updated accurately if that account was reported to that credit agency. 
Therefore, Example XXXX XXXX  XXXX will do that in this case for the above referenced account. 
Your kind consideration in this matter is 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 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood has restricted my account, preventing me from opening new positions or adding/withdrawing funds. They initially said they would provide an update on the XXXX, but have not explained why my account was restricted. Ive reached out to customer service, but theyve offered no clear information. Ive read concerning reports from other users whove had their accounts closed, with funds withheld, and Im worried that this could happen to me as well. I need transparency and access to my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Received an email from Affirm saying that I have XXXX loans that are processing that I did not authorize or make, I contacted Affirm to report the loans as fraud and they said they are opening an investigation. The first loan was {$640.00} and the second loan was XXXX. I fear that I am a victim of Identity theft which is why I am writing this complaint. The first attachment is the XXXX of the loans that I did take out, and the other attachments are of the fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, both of my bank accounts were debited by bank of America, by an amount of {$8200.00} in checking which received last week & by an amount of {$79000.00} ( overdrafts by {$1.00} ) which cashier check have not received by me. ( See all attachments )

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 2024-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
I was contacted by a representative from - CREDIT CORP SOLUTIONS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Several times since 2020. I was told I owed this amount and that I'm responsible for the debt. They told me that the original debt was from XXXX XXXX. I told them I didn't fly anywhere ; I didn't book a hotel, and I didn't rent a vehicle pertaining to this vacation. They have not furnished any information other than my name and social and they will not remove it from my credit report. I've talked to all 3 bureaus, and they said I needed to file a complaint. I've filled police reports like they have requested, and they still will not remove it and won't listen to me. They have been difficult and will not work with me unless I pay them what they say I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

XX/XX/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  I believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
Subject : Complaint Against Credit Reporting Agencies for Inaccurate Reporting Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies for allowing XXXX XXXX XXXXXXXX XXXX to report an overdue balance on my credit report after the account was charged off. This inaccurate reporting has persisted for five years and has significantly damaged my credit score, negatively affecting my ability to secure loans and resulting in higher interest rates. 

Despite the account being charged off, XXXX XXXX XXXXXXXX XXXX continues to report this information as a fresh charge-off, which is misleading and inaccurate. This has not only harmed my creditworthiness but has also caused me emotional distress and financial hardship. 

I believe that the credit reporting agencies should be held accountable for permitting this incorrect information to remain on my report. It is crucial that they ensure the accuracy of the information they disseminate, as it directly impacts consumers financial opportunities. 

I request that the CFPB investigate this matter and take appropriate action against the credit reporting agencies to rectify this situation and prevent further harm to my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Against Credit Reporting Agencies for Inaccurate Reporting Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies for allowing XXXX XXXX XXXXXXXX XXXX to report an overdue balance on my credit report after the account was charged off. This inaccurate reporting has persisted for five years and has significantly damaged my credit score, negatively affecting my ability to secure loans and resulting in higher interest rates. 

Despite the account being charged off, XXXX XXXX XXXXXXXX XXXX  continues to report this information as a fresh charge-off, which is misleading and inaccurate. This has not only harmed my creditworthiness but has also caused me emotional distress and financial hardship. 

I believe that the credit reporting agencies should be held accountable for permitting this incorrect information to remain on my report. It is crucial that they ensure the accuracy of the information they disseminate, as it directly impacts consumers financial opportunities. 

I request that the CFPB investigate this matter and take appropriate action against the credit reporting agencies to rectify this situation and prevent further harm to my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am demanding immediate action to address and remove them. 

ACCOUNTS - XXXX  XXXX - XXXX  XXXX - XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX I have filed an identity theft report with the Federal Trade Commission XXXX FTC ) and insist on the prompt removal of these fraudulent accounts to restore the accuracy of 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 2024-09-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This IRA was created in XXXX and has rolled over every 3 months since. For the renewal in XXXX of XXXX we asked why we were not receiving the higher relationship rate. They said we never asked. We said the relationship was created in XXXX ( bank purchased subsequently ). Since rates were so low it did not matter but going forward, starting now, we are asking/telling. It took them numerous calls and a return trip but they created a 6 month CD with the relationship rate as requested. Upon receiving correspondence in XXXX of XXXX we picked up a new rate sheet and inquired as to the rollover status. They said we were all set. Fast forward XX/XX/XXXX we receive the renewal correspondence but when checking on the calculated interest and the current rates we were told we do not have the relationship rate because we did not ask again. We pointed out that the relationship did not change but they said we lose out because we did not ask again. As you will see from their literature/correspondence, it uses a number of terms to describe the process which is blatantly contradictory and ambiguous at best. Standard rate/Relationship rate/ Promotional rate ( the term sheet classifies them all as promotional ) /Choice CD. The process states If you have an eligible TD Bank Personal Checking account on the business day prior to your CD maturing, your TD choice CD will earn the relationship rate and APY. In another paragraph it states Both non-promotional and promotional TD Choice and private CDs renew into the same term non-promotional TD Choice CD at the prevailing rate at maturity. It says 2 different things but never mentions asking, much less asking again. Is this a systemic issue that that has continued for years?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: SC

Complaint narrative:
I recently expressed to TransUnion that they did NOT get my XXXX XXXX XXXX XXXX to furnish inaccurate information, let alone ANY information to my credit file. TransUnion is in violation of XXXX and XXXX. Their unsound practice has caused my family, and I major financial hardship.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief