vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 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: MI

Complaint narrative:
I've been trying to log on to the credit website for 10 days and the logon screen times out, regardless of what browser I use. while I am able to still logon to all my other credit card sites and my bank, they finally told me ( after my payment was late and they changed me a late fee ) that I could use their mobile site, which I did, but that site does not allow me to request paper bills or to remove the extra fees ( credit protection ) they have added to my account. 

the agreement I have includes interest free charge if the payments are made with in certain window, this certainly seems to me to be an attempt to keep me from making my payments on time and inside that window

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$5500.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$20000.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$3600.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX : Balance : {$4600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX  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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX, there where credit inquires from XXXX XXXX an Elan Financial I never had any business affairs with either company this had a bad effective to my credit score can I have these inquiries removed an my credit score fixed. 


Thank you 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 2024-08-08 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: OR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
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.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXXXXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
I am locked out my XXXX account I tried to reset password online and nothing works. I try to call the company over the phone and it will not allow you to speak to someone. The automative system does not allow you to pick a representative. From a XXXX XXXX party website I can see incorrect information and I cant even dispute it get through to XXXX XXXX  XXXX XXXX was paid and should be deleted. 
XXXX was paid and should be deleted. 
As well as the XXXX days late updates it was XXXX and they had a waiver program.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hard inquiries on my credit report were not given permission to do so.. 
XXXX XXXX XXXX XXXX XXXX Capital One Bank USA Please have removed from my report, thanks..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
A third party transfer funds into my account and the bank is withholding it,

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America continues to report late payments to a credit card on an account that was opened in XXXX. My records show no late payments and they show 1 late payment over the course of at least 3 years. I closed all accounts and paid all of them off on or around XXXX. 

It is now XXXX and these jerks continue to file this late payment and won't let it go some 28 years later. It keeps me from getting a perfect XXXX and my credit rating has never gotten over XXXX. 

This account is paid off and closed for over 20 years now ... when will it end? I contacted them and they simply refused, said their records were correct and I asked them to prove it and they said they didn't have to ... and this has been on my account for over 20 years. XXXX refuses to remove it without Bank of America. And despite all of my requests, they continue to renew it every year for no apparent reason.

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 2024-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year> I was notified by XXXX that a new account had been opened in my name. The account was for a Jet Blue credit card through Barclays Bank Delaware. 
I immediately notified Barclays Bank that I did not open the card. I also requested that the bank send me the application that was used to obtain the card. 
On XX/XX/year> I received the application and a statement from Barclays Bank that said there was a balance on the credit card account in the amount of {$3300.00}. 
On XX/XX/year> Barclays sent a letter stating that the investigated the fraud and determined that " the account is valid, because it was determined that you opened and authorized the application for credit. The fraud status has been removed and monthly statements will resume. '' On XX/XX/year> I picked up my mail and immediatedly called Barclays. After multiple hang ups from their customer service department, I was able to speak to a XXXX XXXX. I told her that I did not open the card and the application had an extremely old email address that I did not use as well as an old address. She determined that the card had never been activated, but could not explain how someone could have made the transactions without the card. 
On XX/XX/year> Barclays sent another letter. This letter stated the same thing that the " transactions you identified are not fraudulent. '' I did not open the account and I did not authorize it. I should not be liable for the charges, AND it should not be reflected on my credit report. 
No one from the Fraud Investigation Department ever contacted me to ask any questions and the customer service at Barclays is the worst that I have ever encountered.

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 2024-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
This is a continuation of a previous complaint XXXX about my accounts at Marcus by Goldman Sachs . They did not resolve the issue at all after I called back again.

They have been telling that Marcus closed all 7 accounts ( 1 online saving and 6 CDs ) and a check is on the way. But I have been waiting for this check for more than a month. 

I called them many many times, The only thing they kept telling me that all my accounts were closed. I need Marcus to figure out where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the correction or removal of inaccurate information on my credit report. My personal information must be accurately reported in compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Consumer Data Industry Association 's ( CDIA ) Metro 2 compliance standards. 
Any misreported information that can not be verified must be deleted immediately. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, California XXXX. The following personal information on my credit report is incorrect and should be removed : Incorrect Name - XXXX XXXX XXXXXXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX Incorrect XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX, Nevada, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX Incorrect Address - 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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute and request the correction or removal of inaccurate information on my credit report. My personal information must be accurately reported in compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Consumer Data Industry Association 's ( CDIA ) Metro 2 compliance standards. 
Any misreported information that can not be verified must be deleted immediately. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, California XXXX. The following personal information on my credit report is incorrect and should be removed : Incorrect Name - BEST, XXXX, XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX, CA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Nevada, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, California, XXXX Incorrect Address - 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 2024-08-08 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: OK

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-08-08 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: OK

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

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 2024-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I called after the product that I requested failed to arrive and they lied to me and stated that the vendor asked that a hold be placed on my account. The vendor unequivocally denies that this happened. The company then refused to deal with me if I recorded the call for my protection. I had no choice but to lose all privacy and protections and now feel extremely taken advantage of.

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 2024-08-08 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: NY

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


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX -INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief