vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To make a long story short, we bought the discounted XXXX night vacation card from XXXX XXXX and committed to a XXXX XXXX presentation to receive the gift. The presentation was with XXXX Vacations and was supposed to be a quick XXXX XXXX no pressure presentation. We went to the presentation in XXXX XXXX on XX/XX/year>. We were kept in a meeting room with sales personnel for XXXX XXXX, bribed with food, belittled and lied to over and over by sales personnel that would not take no for an answer. We were pressured and told we HAVE to do this for our kids. When we finally submitted to their ridiculous ongoing tactics, we were put into a room to sign paperwork. We were told we have to go through a " read aloud '' and speak loudly and answer with " I agree '' to all statements and if we had questions, we can ask them after the recording. We were NOT shown required paperwork regarding the XXXX XXXX XXXX that they had us sign documents saying we were shown and understood. We also did NOT receive any notarized paperwork or deeds regarding the timeshare. The sales rep we worked with did NOT have a realtor license ad did NOT provide a last name. The tactic they used to pressure us are illegal. The contract was entered into based off of fraudulent information and tactics and by law is not a viable contract. The company has been given mounds of evidence to prove our claim and has not cooperated an has not condemned the tactics of their sales personnel. We now have a mortgage loan over {$35000.00} for a timeshare we have tried multiple times to use since we were bribed and conned into signing the paperwork and nothing is ever available. It is not worth continuing to pay for something that is not what it truly is. We have contacted other authorities and submitted complaints as well.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I am unsatisfied with the program results and wished to cancel out of the program and revive my escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year> I received a notification that a payment has been made automatically on my Discover Card. 
Upon checking, my payment was for {$92.00} and not my usual payment of {$53.00}. 
My autopay was adjusted without my consent or authorization. 
I contacted Discover and the representative rudely argues with me over the phone when XXXX states " how can you just change my autopay? '' She continue to say that I sign up for a hardship and I agreed to the account terms changing after the program ending " XXXX 'XXXX XXXX XXXX 
I also get a email notification days prior but it doesn't list any changes. It's the same email I alway get. Email doesn't list anything changes or notify any changes being made. 
Discover just went and changed my autopay without any proper notification. Even logging into the statement and it only show the interest collected went up. 
I also contacted them about Hurricane relief as I log into my account and it shows if I have been impacted by the hurricanes in florida they are here to help. 
After speaking to the representative her words " did you declare any lost to FEMA? thats how we get money for hardship for you ''. 
Also " we just lowered your payment a year ago '' as I ask how does that program I enrolled have anything to do with XXXX hardship relief? 
Out of all of the creditors I delt with I have never heard of such thing that they want to take XXXX XXXX XXXX for me to help " ME ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I Am writing this Letter to bring your attention to a Grave and Substantial Overcharge to My Household Checking, Savings and Credit line I have been a Faithful Customer of the Bank for XXXX  years. 
A few years ago, I went into my local BOA Branch at XXXX XXXX XXXX XXXX MA, XXXX To request a replacement Debit card, while there a Bank Representative asked me what are you doing for your future savings, I listened to her explain why not take money Automatically each month from your checking account and put in into savings, I agreed So, we agreed to take XXXX From Checking and put it into savings simple enough We Traditionally have used BOA as a secondary source of paying minor Household bills, so I was not getting Monthly statements on Balances for years So recently I installed the Mobile App on my Phone, reflecting my balances I discovered a Gross error of nearly {$8000.00} Accrued from my Line of Credit account being charged 18 % Interest month This Is a Blatant Error on the Banks Behalf I obviously would Never have been agreed to getting Charged 18 % Interest on a Savings account I am XXXX  on XXXX I have always paid my Bills on time, but I felt Guilty somehow that I should try to Pay this, I have already paid close to XXXX of my Own Money. I can not do this any Longer So, This Notice of error Is to Clear My Debt and make it Right, And I want the Bank to Have this removed and Corrected Since No One of Sound mind would have agreed to this I have Not yet Filed this Consumerfinance.gov So, I Respectfully Expect you would do The Honorable thing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2020

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 2024-11-04 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: WA

Complaint narrative:
I first mailed in paperwork to Equifax regarding XXXX XXXX. Per the new rule credit bureaus only have 4 days to review your file and make changes. This was on XX/XX/year>. Equifax on XX/XX/year> tolld me they had not received the mail yet and asked me to file it online. I did. I have confirmation of this email. On XX/XX/year>, Equifax sent me an email with XXXX XXXX Case # XXXX informing me that my file was on hold until I turn in the actual certification form. On XX/XX/year> I called and filed the certification form. Since this date, I have called and called Equifax but always given the run around. And then today XX/XX/year> I receive another email titled SECOND notice to return the certification document. How is this? Equifax has had this form since XX/XX/year> and have refused to process it. I would like my forms to be processed immediately. My credit score has dropped tremendously since this company is refusing to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent inquiry from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach that has led to unauthorized activity on my credit report. 
The fraudulent inquiry that needs to be removed is as follows : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR TO ME AS THE CONSUMER AND REMOVE THE INACCURATE AND UNVERIFIABLE INFORMATION FROM 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 non-monetary relief
Consumer complaint received 2024-11-04 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: WV

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am writing to formally report an issue I encountered with my bank regarding a fraud claim I filed related to a transaction involving XXXX. My debit card ending in XXXX was charged {$6000.00}, which I did not authorize as I do not have a XXXX account and do not engage in any form of gambling. 

After reviewing my claim, my bank concluded that no error occurred, citing a review of my account activity. However, I believe this decision was made without adequately considering my situation, as I have no affiliation with XXXX whatsoever. 

I request your assistance in this matter to ensure that my rights are protected and that the investigation into this fraudulent transaction is taken seriously. Additionally, I would like to obtain the information my bank used to deny my claim, as I feel this may help clarify the situation. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed.

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 2024-11-04 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: TX

Complaint narrative:
After looking over my credit report, I noticed multiple accounts that are either misreported or not mine.

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 2024-11-04 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-04 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: CA

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and noticed fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been associated near or opened this account it is fraudulent also whatever address attached is also fraudulent I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a )

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX U.S. Bank for Unjust Denial of Business Account Opening and Poor Customer Service US BANK Application number : XXXX Dear CFPB, My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXX, a business established on XX/XX/2020. My address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I am a longstanding customer with U.S. Bank, where I maintain both personal checking and savings accounts, as well as a credit card. Recently, I approached U.S. Bank to open a XXXX XXXX Account for my business, and despite submitting all requested documentation, my application was denied without a reason. 

I spoke with XXXX, a supervisor in the XXXX XXXX Department, hoping for clarification, but was met with a lack of transparency regarding the refusal. This unexplained rejection and lack of support left me feeling that I was treated poorly, particularly as a loyal customer seeking to expand my business relationship with U.S. Bank. 

Given my full compliance with the banks requirements, I am requesting the XXXX XXXX XXXX XXXX assistance in securing an explanation and facilitating the opening of this account. I believe this situation highlights an unfair business practice that merits immediate attention. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA 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 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-04 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: FC HoldCo LLC
State: WI

Complaint narrative:
XXXX unauthorized hard inquiry showed on my XXXX credit report, plus an employer and a phone number XXXX dont recognize. After contacting all three companies showing on my report, we concluded that XXXX XXXX had submitted the hard inquiry with other XXXX lenders. I contacted XXXX XXXX and they did not find an application under my name. After looking into it they realized that they had miss used my social security for another person who supposed name is XXXX XXXX. They answer was it was a system error on our side ''. 
I provided copy of my report with the wrong information and unauthorized inquiries and they said they would work on investigating and removing but that it might take up to 6 months. 
The other XXXX unauthorized inquiries are for lenders : XXXX XXXX and Flagship Credit Acceptance. The employer added is called : XXXX XXXX and the phone number XXXX. Non of this information belongs to me.

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 2024-11-04 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: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX unauthorized hard inquiry showed on my XXXX credit report, plus an employer and a phone number I dont recognize. After contacting all three companies showing on my report, we concluded that XXXX XXXX had submitted the hard inquiry with other XXXX lenders. I contacted XXXX XXXX and they did not find an application under my name. After looking into it they realized that they had miss used my social security for another person who supposed name is XXXX XXXX. They answer was it was a system error on our side ''. 
I provided copy of my report with the wrong information and unauthorized inquiries and they said they would work on investigating and removing but that it might take up to 6 months. 
The other XXXX unauthorized inquiries are for lenders : Regional Acceptance and XXXX XXXX XXXX. The employer added is called : XXXX XXXX and the phone number XXXX. Non of this information belongs to me.

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