vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received an email today from Synchrony Bank saying they are going to charge a {$1.00} fee each month for paper statements starting in XXXXXXXX XXXX. This is my Crate & Barrel credit card, but it can be used anywhere XXXX is accepted. 

I explained I need to get paper statements, as its how I keep track of my bills and always pay on time. I pay by check that I mail in each month. I wanted the fees waived, but they refused to accommodate my request. I have an excellent credit rating and am a very good customer. As a show of good faith and a goodwill gesture, they need to honor my request and I cant believe there isnt a law against charging consumers for paper statements if thats my preference and how I choose to pay my bills.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-10-01 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: IL

Complaint narrative:
I found some errors on my credit report, governed by 15 USC 16c-2. The information in question is incorrect and harms my creditworthiness. 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 non-monetary relief
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently review a copy of my credit report and notice 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 non-monetary relief
Consumer complaint received 2024-10-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
When the data breach happened in XX/XX/XXXX I noticed my credit went from XXXX to XXXX, I saw accounts that said authorized user that were never on my report before. I contacted Citi Bank they issued a letter and an email stating they removed me from the persons account XX/XX/XXXX however XXXX keeps putting it on my credit with the documentation from CIti and they keep putting back on. I dont understand how else to prove its not my 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 2024-10-01 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: IL

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

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 And numerous addresses and other inasccurate personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my XXXX XXXX. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

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  And numerous addresses and other inasccurate personal information

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 2024-10-01 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: 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.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2024-10-01 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: NC

Complaint narrative:
I am writing to formally file a complaint against Wells Fargo regarding my experience with their XXXX XXXX Key Plus credit card, which I opened on XX/XX/year>. 

Background : I was pre-approved for the Wells Fargo XXXX XXXXXXXX XXXX XXXX  credit card and opened the account on the aforementioned date. For about a month, I used the card without any issues. However, I then encountered unexpected restrictions on my account. 

Attempts to Resolve : I made at least XXXX phone calls to Wells Fargo to resolve this issue, but each time I was told to wait for further mail correspondence. Eventually, I received a letter requesting a XXXX form, which I submitted to the branch on time. 

Account XXXX : Despite submitting the required form, my account was closed a couple of weeks later. I later received a notification stating that my account was closed due to a discrepancy between the income I provided during the application and my income as reported on last year 's tax return. I would like to clarify that my reported income of approximately {$40000.00}, as evidenced by my XXXX and XXXX forms, was accurate and matches what I provided during my application. 

Unfair Charges : I am appalled to have received a final statement today that includes a charge for the annual fee of {$99.00} and approximately {$50.00} in interest. Given that my card was restricted and subsequently closed by Wells Fargo for what I believe is an unjust reason, it is unacceptable to be charged these fees. Additionally, I was not provided with instructions on how to pay the bill while my account was restricted, and now that my account is closed, I have no means to settle the charges.

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 2024-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
My identity was used to accumulate fraudulent charges on an account that I did not authorize, my information was attainted without my knowledge, and my personal information was used to attain fraudulent accounts that I had no prior knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX had my credit merge with someone with same or similar name. After month they finally unhinged my name but left all the inquiries on my file. 
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 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 2024-10-01 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: LA

Complaint narrative:
I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : 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
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX  Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My son has a car loan with XXXX XXXX. Since buying his car he has lost his job. I have assisted my son in paying his car note. I have not taken over his loan nor have I signed any documentation adding me as a co-owner of his vehicle or in any way to be responsible for his payments. I am simply a mother helping out her child. 

On XX/XX/XXXX, I telephoned XXXX XXXX as I was concerned that my XXXX XXXX had decreased significantly. My call with XXXX XXXX had proven to be futile and frustrating as it has previously regarding the same issue. I do not have an auto loan account with XXXX XXXX or any bank. Based on online document on bank 's website I am listed as owner. Utterly not true. Something nefarious is taking place with the bank and its employees. 

On the call with the bank I identified myself over and over to the XXXX XXXX representative but to no avail. I do not have a signed contract with this bank. XXXX XXXX has been reporting me as late every month since XXXX at a cost of {$10.00} per month. On my call yesterday, I asked for a copy of a signed contract that would show my obligation to XXXX XXXX that I have an auto loan with them. I was transferred from a XXXX representative to XXXX a senior advocacy member in their resolution dept. I was told by XXXX that she has a screen shot on her computer inferring it was signed by me. I asked her to fax a copy and she told me she couldn't as she had to fill out a document to have it faxed to me and it would be in my fax shortly. Nothing came. I have previously called XXXX XXXX on several occasions regarding this same issue and it has not been resolved. 

I am concerned that XXXX XXXX is irresponsibly committing identity theft. 

RESOLUTION Immediately return all monies paid on behalf of my son and close this fictious and lying account. 
Immediately return all late monthly fees of {$10.00} since XXXX. 
Immediately contact all three credit reporting agencies ( Transunion, XXXX, XXXX ) on my behalf letting them know in writing the egregious error they have caused and return my XXXX XXXX back to XXXX. 

I look forward to your response.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  {$0.00}, XXXX {$130.00}, XXXX XXXX {$140.00}. Delete these unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a CD account with BMO Bank online. {$210000.00} was transferred from my XXXX XXXX  account # XXXX to BMO Bank. The money was deducted from my bank account. 

On XX/XX/XXXX, I called BMO and was told to go to a local BMO Bank. I went and showed my driver 's license and passport. I was told to call the fraud department. I called fraud department and was informed that the transfer was being alerted that the money wasn't mine. So, my account will be closed, and my money was rejected. I tried to explain that {$210000.00} was deducted from my XXXX XXXX account, but to no one listened. 

Later, I found a deposit receipt that BMO emailed me indicating that the {$210000.00} came from XXXX XXXX account # XXXX. I called BMO fraud department and told them that the money was deducted from my account # XXXX. I don't have account # XXXX. I asked for help since this may be fraud. Per the BMO fraud department, there's nothing they can do and I need to work with XXXXXXXX XXXX 

I talked to XXXXXXXX XXXX every day, and my case was escalated to the executive team. They researched. On XXXXXXXX XXXX side, they confirmed that the money did come out of my account # XXXX and went to BMO Bank. XXXXXXXX XXXX denied having place the alert. Per XXXXXXXX XXXX, they don't know any bank account ending in XXXX. Per XXXX, they didn't receive any returned money from BMO either.

I talked to BMO Bank and asked for proof that they returned my money. On XX/XX/XXXX, BMO Bank provided with a ACH tracking number indicating that is the proof that they sent the money back. XXXXXXXX XXXX informed me today XXXX that the ACH tracking number XXXX BMO provided was wrong. It's proof that they accepted the money from XXXX on XX/XX/XXXX. That's not the right ACH tracking number to prove that BMO Bank returned the money. 

BMO Bank is unable to prove that they returned the money to XXXXXXXX XXXXk. According to XXXXXXXX XXXX, it doesn't matter what account BMO return the money to. As long as BMO Bank returned the money to XXXX XXXX XXXX XXXX can still credit me back my money. 
BMO couldn't provide any proof that they returned the money tXXXX XXXX XXXX Now, BMO Bank refused to talk to me. XXXX XXXX doesn't have the money back from BMO Bank. I'm out of {$210000.00}. Neither bank is helping me out. XXXX XXXX is not helping me. BMO Bank is not helping me. I need help please.

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 2024-10-01 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: VA

Complaint narrative:
I have a tremendous amount of soft inquiries on my credit report which I never authorized and have opted out for the past 4 years yet they continue to occur and are not removed as soft inquiries dont usually damage the consumer report but they are detrimental to mine as a new business owner and pending homeowner I am very concerned that they are negatively affecting my consumer reports and hinders my ability to access funding

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington has been applying credit card payments to the lowest interest rate balances on my credit card in violation of the XXXX CARD act. The CARD act explicitly states that overpayments must be applied to the highest interest rate balances first. It does not grant any exceptions.

I have attempted to resolve this with Huntington on numerous occasions but they continue to insist their terms of service override federal law.

Company response to consumer: Closed with explanation