vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Urgent Dispute with XXXX XXXX  To Whom It XXXX Concern, I am writing to file an urgent and strongly worded dispute with XXXX Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, and regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX  regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX  is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement had inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX  take immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Failure to do so XXXX constitute violations of the following laws and regulations : Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX actions in failing to disclose the negative credit consequences of the settlement may be in violation of the FCRA, which requires fair and accurate reporting of consumer credit information. 

Fair Debt Collection Practices Act ( FDCPA ) : If XXXXXXXX XXXX XXXX representatives engaged in deceptive or unfair debt collection practices, this could be a violation of the FDCPA, which governs how debt collectors can interact with consumers. 

Truth in Lending Act ( XXXX ) : If the terms of the settlement were not adequately disclosed, it may be a violation of XXXX, which requires clear and accurate disclosure of credit terms and conditions. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
These inquires showed up on my credit report that i do not recognize. 
XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. NONE OF THESE ARE SUPPOSED TO BE ON MY REPORT NORE DID THEY HAVE MY WRITTEN PREMISSION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
The company basically denied my verified FTC report # XXXX, also my verified IRS claim of idenettity theft ( Notice XXXX ) dated XX/XX/19 prior to this incident i was already compromised. Not my fault i dont own the SS #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by someone on XXXX and invested on XXXX XXXX  by using XXXX platform starting on XX/XX/XXXX. I transferred XXXX each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of $ XXXX. On XX/XX/XXXX, the scammed company froze my account and I realized that this was a scam.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2023 I went to the XXXX XXXX  to load {$300.00} on my chime Bank account. On the morning of XX/XX/2023 chime closed my bank account due to suspicious activity and certain loads after going back in speaking with the store the employee put {$380.00} into the system to be loaded onto my card but I only received the XXXX I intended to load on XX/XX/2023 the employee that did the transaction informed his manager that he added an extra money onto the transaction which he thought he did but it really didnt happen but in following, the manager called the company that controls the loads and deposits and informed them that I was given extra money which I was not. I have sent emails to chime showing them that I only received the {$300.00} along with the receipt from the store. They have informed me that they will not be returning my remaining phones due to me not following the deposit agreement. Which is False due to the fact that the employee and merchant entered the wrong numbers into the transaction the manager called the company and informed them that I received extra money which I didnt when I sent chime the proof and a receipt of me loading my card with the {$300.00} at the store, they still deny me, saying, Im not eligible for my refund of my remaining funds this whole situation has occurred because the employee the store and the manager had a huge miscommunication between the between themselves and the company that they called I have provided Chime with the email address and phone number of the general manager so he would be able to explain to them that it was a mistake on the store, and the employee not me, but time has decided not to reach out to them, or even make an effort to actually look into this problem they only decide to keep my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-06 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The information being reported by Experian, XXXX and XXXX is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that all reporting of this information be blocked deleted. This request is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact but are made as it is relevant to the request to block the identified transactions as they are not information related to any transaction by I, as Agent in Fact, consumer. 
You are required to do what i am demanding, to block delete remove the transactions identified from the name XXXX XXXX XXXX consumer report immediately. There in no investigation required as it is not your right nor authority to produce such derogatory information which you are not legally authorized to produce nor distribute as has been the case repeatedly by all three agencies.

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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Albert Corporation
State: CO

Complaint narrative:
I became XXXX and signed up for a bank account, threw Albert. 
They did not accept my payment from the federal government XXXX. Even though they're FDIC insured. 
And they are approving deposits several days earlier. Causing their numbers to not allow other deposits. 

Customer not receiving money that they count it on. 
Causing their banks to overdraft.,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TN

Complaint narrative:
these inquiries appeared on my report on theses dates that i know nothing about. 
XXXXXXXX XXXX XXXXXXXX XX/XX/2023, XXXX  XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: VA

Complaint narrative:
XXXX reported a car accident on XXXX  that I wasnt involved in to Lexis Nexis, raising my premium. Im not, and never have been a client of XXXX. I disputed the report and they said the data was correct. There doesnt seem to be any other recourse than that dispute, and Im waiting to hear back from XXXX to see if they can help me fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the night of XX/XX/XXXX, I was wrongful robbed, defrauded, and XXXX by I believe XXXX  in XXXX XXXX. They took a total of at least {$10000.00} using my drugged state to send themselves XXXX 's and XXXX cash payments cleaning out my entire bank account. Cleary, they were all sketchy payments to names I have never sent money to before nor had prior activity for especially the amounts that were being sent. I went to Bank of America to file a claim and they said it was a robbery only not fraud and only the police can do something about it. I was going to file a police report but after doing research, this XXXX happens all the time, you maybe hear from a detective in 10 days and then nothing happens they always get away with it. 

I filed a claim for fraud with Bank of America and they denied it. I looked up the definition of fraud and it states : wrongful or criminal deception intended to result in financial or personal gain. Wow, sounds very much like what happened to me. In my head, I thought, what is the point of having a bank if they don't even protect you with things like this? there isn't. And Bank of America can even replace {$10000.00} to help a wronged customer? Like they don't have the money. 

Anyways, I'm grateful I'm alive, it could have been much worse but I am disappointed in the way the Bank of America Associates treated me, like I was the big XXXX up and why should I help kind of attitude. The worst customer service I have received and treated by a bank. And they didn't provide a service they claim to provide to the customer.

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 2023-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CT

Complaint narrative:
I made a payment of {$2500.00} on XX/XX/2023 on EdFinancials new website : EdFinancial.com/Myaccount. I received a confirmation email with confirmation # XXXX. They told me the payment will post no problem. The payment is STILL not posted on my account. I was told to wait 120 days it is now 217 days out. I have called multiple times, emailed multiple times. Uploaded proof of payment email and records from my bank showing the payment. My account has still not been adjusted. My balance should be {$5700.00} not XXXX. PLEASE help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I opened a new credit card with Best Egg. The card has a 12 months 0 % APR deferred interest promotion. I received my first statement. Nowhere on the statement does it indicate that there is a promo 0 % APR for the current statement balance. It indicates that future purchases will have a 0 % APR ( and cash advances will have a 29.99 % APR ). The balance to which this 0 % APR applies is {$0.00}. 

The " fine print '' on my statement says that I need to pay the balance in full to avoid interest charges ( section Grace Period on Purchases ) I am concerned that the current balance will be subject to interest charges. A chat rep from Best Egg says that there is a promo for purchases with 0 % interest until XXXX. This is not indicated on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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