vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
NetSpend locked down my funds with no notification and no explanation after 4 years. Considering they also screwed up my tax return direct deposit, this was the last straw. They locked me out of my account and my toddler daughter 's XXXX funds for several days and then closed my account and are mailing me a check in 10 days. Every day I called they would only read me a list of reasons it " could be ''. I sent the govt issues documents ( drivers license, W2, social security card ) they said they would respond in 6 hours. I had to call every day. For days. Never told me why. They block access to my baby 's funds for 15 days, ruining spring break for both my children and said they have the right not to give an explanation. Dont trust them with your 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I contacted Experian credit agency and informed them that the information they are reporting is paid off and is closed

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 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
I am disputing a credit card lawsuit with the plaintiff as XXXX XXXX being represented by Weltman Weinberg & Reis. I was served papers by the county Sheriff around XX/XX/XXXX with a motion to sue stating that I owe a balance of XXXX but the paperwork did not have an itemized breakdown. I responded back within the 20 days given asking for validation of the debt. However I did not hear back from the law firm again until XX/XX/XXXX with a motion to move the court case to my current county of residence. At this time, I asked a lawyer for help with whom I thought had settled the case due to the lawyer finding discrepancies in the paperwork and process. However in XX/XX/XXXX I received another motion from the creditor asking for a judgement in the court for the amount of XXXX ( a change in the amount owed ). This time the paperwork included more information however the itemized statements still do not add up to XXXX and are not easily legible. Also the paperwork has an address that I have never lived at. I responded to this motion as well and recently received paperwork stating that I now have a court date set for XX/XX/XXXX. 

I am not aware of the date that this credit card was opened and the amount owed has shifted from XXXX to XXXX. I received a response from law firm of the debt being validated but never received proof of the debt such as original contract with signature and a complete list of itemized charges totaling the alleged amount owed. I attempted to call XXXX XXXX XX/XX/XXXX but they stated the account is being held by Weltman, Weinberg & Ries. XXXX XXXX did offer to open a dispute due to the discrepancies however someone recommended to put a complaint in with CFPB due to in the past the law firm has taken over 1 year to respond to previous request and I now have a court date set.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I sent a good faith letter in XX/XX/XXXXXXXX  asking Bridgecrest to remove a couple of 30 day late payments. I was denied. I also asked them to correct late payments placed on my credit report that was paid on time as of this time it has not been corrected. A few days ago XX/XX/XXXX Bridgecrest had my XXXX payment listed on my credit report as 30 days late. The payment was due on the XXXX and I paid it on the XXXX that was 11 days late and not 30 days late. I also sent them documentation from my bank on three other occasions were payment were made on time or before time and it was not corrected. Three payments from last year and prior years on my credit report has not been corrected with the bureaus and they are incorrect. This causes high interest rates on credit cards, high auto insurance, and low credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I have made numerous attempts sending letters demanding that XXXX  and experian follow the law and removed several accounts from my credit report. These two bureaus are in violation of 15 USC 1681 section 602, 604, 15 USC 1681c a5, and 1681s-2 a1. This is my last attempt to settle this matter outside of court. If XXXX and experian do not follow suit as XXXX has by removing the accounts that i demanded be removed i will be filing a claim against experian and XXXX  for multiple violations of the laws above. Thats {$1000.00} per violation

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
several attempts to get 2 accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
several attempts to get 2 accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX  XXXX XXXX ...., XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: SC

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. 

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 U S Dept Of EdXXXX XXXX XXXX XXXX , Dept Of Ed/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.

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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : 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 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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:
n 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. 

XXXX XXXX ( XXXX ) accounts # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX Bank- ( XXXX ) accounts # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX-account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX  account # 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 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXXXXXX 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 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I want to ensure I was not overcharged with my Wells Fargo auto, mortgage or checking/savings accounts between XXXX. I recently found out that Wells Fargo was liable for incorrect interest rates and overdraft fees during this time and was paying customers back for any overages. I'd like to know if I was impacted by these errors.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I vaguely remember applying for the XXXX XXXX XXXX but I know I never activated or used this card. I have spoken with the collection agency asking for proof of transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This creditor stopped accepting my payments and then marked ME as late on an open account. 

In accordance with the fair reporting act Synchrony Bank/ PayPal has violated my rights. Under 15USC1681 section 602 states : I have the right to privacy.

15USC1681 section 604A section 2 It states that a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: CA

Complaint narrative:
This is my second complaint, COMPLAINT NUMBER XXXX. 
I JUST WANTED TO ADD THIS TO THE COMPLAINT. TODAY IS DAY 10. CASH APP GAVE ME A SELF IMPOSED TIME LIMIT, AND TODAY IT IS UP. DAY 10. I NEED ACCESS TO MY MONEY, AND IF THEY NEED MORE PROOF OF WHO I AM THEY CAN COME OVER FOR TEA OR DO A DNA TEST. NOBODY, NO PERSON DISPUTING ANY TRANSACTIONS. CASH APP CREATED A FAKE DISPUTE, JUST TO COLLECT THE MONEY AND NOW HOLD IT, MY ACCOUNT IS FROZEN. I DEMAND A FULL NOTICE OF SOCIOLOGY POSTED ON MY CASH APP, SO FRIENDS AND ASSOCIATES CAN REGAIN FAITH IN ME. THIS HAS BEEN DAMAGING TO ME AND MY CHARACTER. I WANT A FULL FLEGED APOLOGY IN WRITING, AND I'D LIKE TO KNOW THE ANSWER FOR WHY THEY DID WHAT THEY DID TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/XXXX, I received multiple emails from Bank of America ( BoA ) stating progress in opening a savings account under my name. I do not nor have I ever had a BoA account that I have opened. I called them the same day to report the activity and let them know I did not authorize it, they told me they would send me required documents to complete an investigation. I never received those documents via email nor in the physical mail. After receiving a fraudulent copy of a check from BoA in the mail on XX/XX/XXXX, I called BoA to report this and explain that I did not know who wrote the check to my fraudulent account, but it came from a business in XXXX, MD by the name of XXXX XXXX XXXX XXXX After researching the business, I found a phone number and called them to confront the owner about the fraudulent checks in case they or someone they knew had been involved. Upon calling the owner, she informed me that her account had been hacked and someone had written almost 30 fraudulent checks to seemingly random individuals across West Virginia. All of the names the checks had been made out to people across the state. I called BoA with this information and the business owner 's info who was working with me, and they told me once again they would send me documents to turn in to close the account. I never received them. I chatted with their team via XXXX several times and called no less than 5 times to resolve this, each time they promise to send me the documents via email and they never come. Today, XX/XX/XXXX I received an email saying they couldn't close the account because I did not respond to their requests to submit documents needed to close the account. I called again today and was told I will receive the emailed documents needed to close the fraudulent account. I am unsure if I will receive them, and after 5 months of attempting to close this account no one at BoA seems to want to help me. I do not want this fraudulent account or check to be held against me or my credit when I had nothing to do with it and have been making multiple attempts in between my busy schedule as a teacher to get this account closed. BoA has made no attempt to rectify this issue with me in a genuine way.

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 2023-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have an online savings account with Marcus of Goldman Sachs. I have this account connected with other VERIFIED accounts. When I asked TO TRANSFER MONEY to the other accounts, they LOCKED MY ACCOUNT. It took hours to unlock my account even though I went through several verifications processes. Marcus reps kept making it more difficult for me to transfer money. I asked them to close the account. I had to accept a check from them because they kept placing me through hoops in order to do anything else. I am waiting for the check.

This is an online bank without physical locations and they refuse to transfer money to VERIFIED ACCOUNTS.

Company response to consumer: Closed with explanation