vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked for the account to be deleted and Experian never deleted the account. The account still says credit limit or original amount is XXXX from XXXX XXXX XXXX. On my credit report after they was finished with my dispute I asked for that to be deleted and they never updated this on my credit report I dont live in XXXX XXXX XXXX so this is identity theft, which I made a complaint with Experian already. Somebody use my name to cut gas on in another state. This is what this situation is about. 
Date opened : XX/XX/year> Address ID # : XXXX Type : collection Responsibility : individual Terms : XXXX month Monthly payment : not reported Credit limit or original amount : XXXX High balance : not reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX XXXXF XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX - XX/XX/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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I am writing this complaint because I recently noticed that a company called AFFIRM is reporting my account as a collections account. I am not sure if this account was sold. If it was sold, they should not be reporting any account to my consumer report. It should be removed. I need clarification. I want to ensure the company responds to my complaint and notice of dispute accurately. I am requesting a investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: 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 Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX 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 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 rimes 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and noticed I had late payments on one account and I was never late, they took vital information to the max and I was never late on this account. XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate and provide bank statements that this account had late payments. If proof can not be provided, I demand that this account be current with no late payments. Thank you so much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wellsfargo Bank NA sent me a notice that I was enrolled in identity theft protection without my knowledge or consent after reviewing my information. When I called in they found other accounts that were ooenef for bill pay, insurance etc without my knowledge. Upon thorough review of the 12 accounts included with dates opened and closed in the offer, namely : - XXXX Bill pay - XXXX Checking - XXXX Savings - XXXX Checking - XXXX Checking - XXXX Checking - XXXX Savings - XXXX Savings - XXXX Identify theft protection - XXXX Identify theft protection - XXXX Insurance - XXXX Insurance It has become evident that the harm caused by the identified cases of identity theft far exceeds the proposed amount. Each of these accounts represents a breach of trust and a significant violation of personal security. The dates shown in the letter detail a pattern of harm and are tied to the decline in my personal information and credit. 

Identity theft is not merely a financial inconvenience ; it inflicts profound emotional distress and undermines one 's sense of security. The unauthorized access to personal information and financial accounts results in a loss of privacy and exposes individuals to the risk of further exploitation and fraudulent activity. Moreover, the time and resources required to rectify the damage caused by identity theft impose additional burdens and disrupt normalcy in daily life. 
I would like the company to make me whole and fairly compensate me for this breach of my personal information. They offered me an amount that does not resolve or cure the issue. The company has admitted fault and this issue falls under sales practices which is similar to when the company opened up false checking and savings accounts in the past, this issue also falls under identity theft as there were two insurance account opened up and used from XXXX without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I purchased Solar panels and Battery last year and the vendor recommended Mosaic as their preferred lender. I was told my monthly payment was going to be {$340.00} and after 18 months it would be XXXX if I do not apply the rebate for Solar from the federal government.

I started paying {$440.00} with hopes of applying {$100.00} every cycle towards principal. Original loan was {$51000.00} and interest rate is 9.59 % loan term states XXXX payments remaining regardless of how many payments I have made so far. Last year they changed interest {$1000.00} and so far this year they have charged {$1800.00} in interest. I still owe {$51000.00} and remaining payment is XXXX. I do not know when this loan will be paid off. i have reached out to Mosaic but they are not providing any understandable answers. 

There are no statements for me to see what is going on. HELP! 

Address Information Please mail payments to : Mosaic XXXX XXXX XXXX XXXX, Az XXXX Overnight Mailing Address : MOSAIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
CCS COLLECTIONS, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. Company trying to communicate with me through my consumer report which needs to stop. 15USC 1692 CC Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MO

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received an offer to switch my checking and savings to Huntington Bank. It was {$400.00} in reward for opening a new account and direct depositing two checks. We opened the account, received an account number, and a debit card, and began using the account for purchases after our first deposits were made. We called a total of 3 times to confirm that we had done everything necessary to meet the requirement to receive the {$400.00} offer. I was assured by each person I spoke that this was true. However, soon after, I tried to use my debit card for a minor purchase and it was not authorized, but there were more than enough funds showing as available on the account. This was my first notification that there was a problem. I had to call them only to find out they had decided to close my account without evening notifying me! It turns out they decided to close the account after reviewing their records and finding that we had an auto loan that we were discharged from in a chapter XXXX bankruptcy. While I have qualms with this, I am not unhappy with the decision, I am unhappy with the horrible experience Huntington caused. It was a huge inconvenience because they then placed a lock on the account preventing me from using the funds I had just deposited. We live check to check, anyone who also does will know how hard it is when you lose two paychecks in one month. Of course, we eventually got the money back, but it took way too long and caused us far more financial hardship than necessary. 

My main complaints : 1. If I was not eligible for the account, I should have been notified when I applied.

2. I was given incorrect information by the customer service agents multiple times regarding my eligibility for the offer.

3. The manner in which the account was closed was harmful to my financial well being.

4. Huntington could have notified me sooner about the account closing ( but didnt ).

5. The funds from my deposits were not available for an extended period of time, causing me to incur late fees on utilities and services.

6. Huntingtons decision to close the account, based upon an auto loan that I was discharged from in a chapter XXXX bankruptcy more than 10 years ago, makes me wonder : is this legal? 
7. I did not receive the {$400.00} reward I was advised by the bank I had met the requirements for. 

However, I want to give credit to the teller who assisted me at my local Huntington Branch. Despite my obvious frustration, she took ownership of the problem, and helped me get access to my funds as quickly as possible despite the indifferent behavior of their call center or corporate office. It was disappointing to see the contrast between the left hand and the right hand. I am glad that she was there to help us, as I am sure the experience could have been far, far worse without her help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Check # XXXX in the amt of {$330.00} cleared my acct on XX/XX/XXXX, XXXX the funds were deducted from my acct. Then on XX/XX/XXXX the same check was put through again which caused my acct to be overdrawn. The bank has reversed the fees for being overdrawn however I can not access money from my account because the bank says it will take 3 business days to resolve their error. Being Friday the weekend doesn't count so I must wait 5 days to get access to my money!

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 2024-05-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # Bankruptcy XXXXXXXX XXXX-discharged Filed on XX/XX/2018 Reference number : XXXX, has violated my right. 



15 U.S.C 1681section 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always make my payments on time and am certain of this. What confuses me is why this company is reporting late payments for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be corrected, or else the company owes me {$1000.00} for each inaccurately reported account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MI

Complaint narrative:
I Am a natural person I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX Account # XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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 saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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 saw that I have an unauthorized credit inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
On XX/XX/2024 a payoff check in the amount of {$4600.00} was mailed to Prosper. It took until XX/XX/2024 for them to acknowledge receipt of the payoff and apply it to the loan which resulted in an overpayment of {$360.00}. I have made multiple requests for the refund and was advised that I would receive it directly deposited into my account by XX/XX/2024. I spoke with them again today and they are now saying that it will take an additional 1-4 days for me to receive the refund. This is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been a user of BILT credit card which has been issued by Wells Fargo. 
I have paid my bills on time and in full.

Wells Fargo is blatantly denying the increase of my credit limit on one of the cards.

I have held the card for more than six months now but Wells Fargo always declines my request to increase the credit limit.

The reasons given are very vague and are inconclusive. One of the reasons they state is that I havent used the card for a long time. 
But, I have been using the card for more than a year now.

I have been a loyal customer of WF since 2019 but It is very frustrating to do business with WF The small credit limit restricts my purchasing power thereby tying my hands to make purchases.

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