vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-28 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: IL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter dated XX/XX/year> I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: AL

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Days after the account was open, the custom rep suggested me to change my address to get the other authorized card, which directly resulted in security hold on the account and I cant either use or close the account. 

I fax the documents as requested twice. I also called custom service once every 1-2 weeks but got no answers but keeping waiting. About 2 month later, I was asked to mail in the documents. The rep suggested the resolution would be in 2 weeks. 

The document was mailed on the beginning of XXXX ( see attached evidence ) and there was no response for another 2 months. I called in on the end of XXXX and it appeared that no one had processed the review. The account was then get unlocked eventually and I was transferred to get the account closed. The custom service acknowledged their faults. 

Through the entire period ( except a few days before the lock ) I was not able to use the card at all and could not use any of the benefit, including promotional APY, priority boarding or many other benefits bundled with annual fee that was paid upfront. 

So I requested for a refund of the annual fee but the custom rep refused to do so and explained with you are out of the refund period. However, I was trying to close the account early on but would not be able to do so due to the lock on the account. 

In other words, the company charged annual fee upfront but effectively provided no service. The company policy suggests a period for refund but it does not allow me to close the account within that period.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Trans Union and XXXX is showing XXXX late payments on my credit report. I contacted XXXX XXXX about the dates which they can not provide because. my account is in good standards. They can not have any dates of the late payments

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX XXXX and XXXX is showing XXXX late payments on my credit report. I contacted XXXX XXXX about the dates which they can not provide because. my account is in good standards. They can not have any dates of the late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I took out a personal loan from World Finance in XXXX XXXX  a few months ago with full intent of paying it back to build credit. I'm on Supplemental Security Income and was struggling to make ends meet as my husband 's paycheck is almost completely taken by child support and I owe the IRS due to XXXX XXXX as a XXXX I'm not eligible for food stamps so I was desperate for groceries. They said they could loan me a minimum of {$600.00}. I didn't want that much but I was hungry and in a position at the moment to make payments. However, I had a death in the family and my husband and I separated. I couldn't afford to make it back home in XXXX so I returned to XXXX to camp out on property owned by my in-laws. I'm currently homeless and on an SSI check. I tried to get a job but couldn't handle it and my SSI was cut back as a result. However, World Finance kept calling me every day and sending emails threatening to sue me or repossess collateral which I no longer have. I'm living in a tent and have no valuable possessions. I'm afraid of being sued as a court order wouldn't make me capable of paying the loan and I could be arrested for contempt. I started having worsening XXXX  and XXXX as I'm diagnosed with a XXXX XXXX. I couldn't take it anymore so I tried to schedule a payment. However, I need to use my limited funds to try to secure housing and eat. I want to make this right. I really do. But I simply can't afford to pay this loan right now and the stress could put me in the hospital. I'm asking for this debt to be moved to collections for now and I'll resolve it if and when my situation improves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The insurance company XXXX sent me a check of {$400.00} on XX/XX/XXXX. 
I did not receive the check. 
The check was cashed by a person with an account in Well Fargo bank on XX/XX/XXXX. 
I did not have an account in Well Fargo. 
The XXXX sent me the photo of the cashed check. 
The check is without my endorsement. 
It is a Check Fraud. 
Well Fargo cooperated in the Check Fraud. 
I visited the branch of Well Fargo Bank in XXXX XXXX California, show them the photo of the check and asked who cashed the check on XX/XX/XXXX. 
The staff refused to provide any 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 explanation
Consumer complaint received 2024-05-28 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent information that continues to appear on my credit report. Despite my previous dispute, the following accounts, which I did not open or authorize, remain on my report. I am requesting a thorough re-investigation of these accounts under the Fair Credit Reporting Act ( FCRA ).

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 2024-05-28 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: IL

Complaint narrative:
I am writing to formally dispute fraudulent information that continues to appear on my credit report. Despite my previous dispute, the following accounts, which I did not open or authorize, remain on my report. I am requesting a thorough re-investigation of these accounts under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My XXXX XXXX office notified me I had overpaid, and was due a refund of {$130.00}. I had used my Care Credit card to pay the dentist. I had then eventually repaid Care Credit ( Synchrony ) for the entire amount. I notified Care Credit of the overpayment and asked for a refund. They told me they could not simply replace the money online, the way in which I had made all my payments to them, unless I uploaded images of my drivers license and other items. I explained that I was XXXX XXXX XXXX and not good with technology, also that my phone was an old hand-me-down, further, that I lived in the woods where signal was inconsistent, and I could not do as they required. I asked them to mail me a check. They said they would. This conversation took place in XXXX. When I received nothing, I contacted them again by chat. They told me the post office had returned this check and the would send another, that it was authorized XX/XX/XXXX. I still have received nothing. Today I spoke with XXXX at XXXX XXXX XXXX, ext. XXXX, who told me a second check had not yet been mailed. ( I have lived at this same address XXXX  years and cant imagine why the post office would a returned the first check. )

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Unable to Access Dispute Results Online - Request for Official Response Complaint : I am writing to formally lodge a complaint against the credit bureau regarding issues accessing my dispute results online. 

Issue Description : I have previously filed complaints through the Consumer Financial Protection Bureau ( CFPB ) regarding my inability to view real-time credit scores, sometimes file disputes on the credit bureau website , and dispute results on the official websites of the credit bureau . Despite these complaints, the issue remains unresolved. 

I am getting emails saying your dispute results are available " see online '' but " I can't see them online. '' Request for Resolution : I request that the credit bureau provide the results of my disputes through one of the following methods : Replying to my CFPB complaint with the dispute results. 
Officially emailing me the dispute results at XXXX. 
On their website after fixing the errors. 

Verification of Identity : I am attaching my documents to verify my identity. These documents have been provided multiple times, and I request that they be added to my file for reference. 

Previous Attempts : I have made prior attempts to resolve this issue directly with the credit bureaus. Yet, I have not received any resolution or meaningful response to my inability to view dispute results and real-time credit scores online. 

Given the critical nature of credit reporting and its impact on my financial well-being, I urge the credit bureau to take immediate action to resolve this issue. I look forward to a prompt response and a satisfactory resolution. 

Attachments : Personal identification documents ( as previously submitted ). 

Thank you for your attention to this matter. 

Sincerely, 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 2024-05-28 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: FL

Complaint narrative:
remove the fraudulent information from my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've had XXXX different fraud claims with Bank of America. They have all been denied by the Bank. One was a XXXX payment from my Money Market for {$2000.00} that I never ok 'd. Another was XXXX fraudulent ATM withdrawals for {$88.00} x XXXX = {$170.00}, and the most recent one is for {$2.00} and XXXX. The ATM withdrawals are all from businesses that I have never walked into or used and I don't think they even exist as I drove by the address in New Jersey that was listed on my bank statement. The bank obviously has not bothered to investigate. 
Bottom line is I am out {$2200.00} and had to shut down my ATM card 3 times!

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 2024-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX switched from paper billing to paperless. They were to email and text the customer when a bill was due. I did not receive notification of a bill but instead got a lot of junk advertisement from XXXX. Long story short, I missed XXXX months payments. I have never missed a payment when they used paper bills. They waived the late fee for XXXX of the months but I was still charged interest and the other late fee. the only way I found out about this was going to my account online and digging up the current balance and finding out what the late fees were. I was never contacted by XXXX stating the balance. I am concerned with how this could effect my credit score. I am also concerned that other people are being taken advantage of from XXXX and being charged late fees and XXXX when it is really not their fault.

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 2024-05-28 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: NV

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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