vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was looking for a place to temporarily rent while I was studying for school. I had posted on XXXX about my inquiry and was responded to by a leasing agent. I went to go see the apartment and it was a good fit. I later sent in a deposit through XXXX on XX/XX/23 for {$1100.00} to XXXX XXXX XXXX Later I found out the person who had me send the money was not who they said they were and were not the owner of the home. I called my bank ( Wells Fargo ) to report the renters fraud and asked for a call about the status since I was not at my banking address. I had also reported to the police and provided my police report as well as the leasing documents to my bank. A week had passed and I had not heard anything back from my bank so I called and followed up. They informed me they canceled the claim and they sent a letter to inform me. I told the representative that I asked for a call or email as I was traveling to complete clinical rotations for grad school. I reopened a claim again and then the same thing happened, they closed the claim and sent a letter so I was unaware. I called again and again and was told it was told one time they could not reverse the payment because I sent the money and it was through XXXX not my bank. I also received no response from a help email sent to Wells Fargo. 

This happened months ago and today I heard a coworker on the phone talking to a banking representative for fraudulent payments. The representative was completely blowing her off and even said they forgot to submit her first report and later I asked if she had Wells Fargo and she responded yes. I told her good luck getting protection or your money back I was not helped at all and have even thought about leaving the bank from my experience. She told me she was reporting it to this site which I had no idea it was an option. Praying I can somehow still get help since this was a big payment for someone in graduate school and not making an income.

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 2023-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Try to pay off the loan and they cancelled my payment so they can charge me a extra day of interest. Called the company informed them of the situation and they hung up the phone called again and they will not direct me to upper management to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
XXXX XXXX XXXX  is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
XXXX XXXX XXXX  is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX, and this complaint isn't under any influence of anyone else and this is not a third party. I have been disputing an incorrectly reporting account on my XXXX report, as well as unknown inquiries on my XXXX and Transunion reports. This derogatory account is not on my XXXX or Transunion reports. I am trying to start a business and in order to get funding I want to make sure my credit is being ACCURATELY REPORTED. I have disputed this account and inquiries MULTIPLE TIMES with no fix. I tried calling on the phone but was met with a foreign representative in the fraud department. I asked to speak to an American representative but was put on hold for HOURS. Something is wrong with these bureaus. I do not understand why they are abusing consumers .They kept lying telling me they disputed it and its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been XXXX  days and they record the calls and admitted they had my police report and FTC and affidavit. That was after attempting to contact Transunion more than XXXX times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me severe XXXX and stopping me from getting funding for my business which is horribly stressful PLEASE HELP I'm extremely frustrated.

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 2023-11-08 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:
I have attempted many times over the past year to correct false information, inaccurate negative reporting, fraudulent reporting, on my credit reports to no avail. The credit agencies Management have failed to honor their agreements in written and via telephone, to remove the fraudulent accounts and reporting.

Per the federal law, the company has exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). However, the investigations are not being completed whatsoever and the credit reporting agencies are using secondary agencies instead of the furnishers of the accounts.

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In general. ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have contacted Experian multiple times and filed two separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a XXXX balance. This letter was upload to Experian via the Experian portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.

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 2023-11-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As a furnisher it is your responsibility to notate when an account is in dispute. I have disputed the following account for XXXX months now and you have failed to notate in the comments. As a result, you are obliged to remove this account 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I was on a work trip in XXXX and happened to visit the XXXX XXXX XXXX XXXX XXXX  on XXXX of XXXX XXXX There were XXXX middle aged men at the entrance of the mall asking for donation to a charity. I was told I could pay {$5.00} using apple card. I agreed. But they charged me {$500.00}. As soon as I realized they took {$500.00} all three ran away. Incident happened exactly between XXXX and XXXX XXXX on XXXX XXXX. I filed a dispute immediately with the credit card company which is Goldman-Sachs serviced through Apple card . They said they will handle my case promptly. But the dispute outcome was not in my favor even though credit protection and scam protection are the reason we use credit cards. The scammers actually had a merchant id associated with them. They didn't even freeze the account of the merchant even though they can clearly see the merchant id used by the scammer. I have also filed a police complaint and have attached the report with this complaint. I tried disputing with the bank XXXX more times to no avail. Even though I wasted so much time and money in this dispute the bank did literally zero investigation on their part. Customer service wise this was the worst service I have received from any bank. Each time I called I had to explain all things from the start meaning they did not have any record of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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: GA

Complaint narrative:
Experian is reporting erroneous and derogatory information. 
See attachement below

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have worked very hard to repair improve and maintain my credit. My husband lost a business during covid, then had a XXXX due to the stress. He was forced to file bankruptcy. I did not. We also have all finances separated. XXXX bank decided to close my good standing credit card account and will give me no explanation as to why. My husbands bankruptcy has to be the only thing they could use in a negative way against me. Certainly seems like that would not be inline with the equal opportunity act. How am I punished due to my marital status?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information they include on my credit report, but currently, they are failing to do so. They have listed an erroneous address : XXXX XXXX XXXX XXXX XXXX, which should be correctly stated as XXXX XXXX XXXX XXXX XXXX XXXX The law, specifically 15 U.S.C. 1681e ( b ), mandates that all details must be precise and consistent across different reporting agencies, which is not the case at present as they display varying addresses. This incorrect address reporting by Equifax is a breach of my federal consumer rights. Moreover, Equifax has not been granted any written consent from me to report these inaccurate addresses on my consumer file, which constitutes a further violation of 15 U.S.C. 1681b ( a ) ( 2 ). It is evident that Equifax has infringed upon my rights protected by the FCRA, and this wrongful reporting has inflicted significant damage to my reputation, leading to discrimination and emotional distress. I demand that XXXX remove the incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX from my report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX I was never late on the closed account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not show proof please delete the late payments off of my credit report. The late payments are invalid reporting. 

The FCRA allows for 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

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 2023-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 I received a letter from XXXX XXXX XXXXXXXX, Wisconsin informing me new fees have been applied to my account : Charges to your account are effective as of the date of this letter. The letter is dated XX/XX/2023. 

The new fees applied are : ( a ) {$1.00} Monthly XXXX service fee when the account balance is less than {$3000.00} ( b ) {$25.00} account closure fee payable when the account is closed. 

I received no warning of the new fee schedule before the fees were applied. 

I received no option to close the account without paying the {$25.00} account closure fee. 

The fee schedule is explicitly addressed in the CFBP 1034 ( c ) Advisory Opinion published on XX/XX/2023. 

I am requesting the CFPB advocate on my behalf to compel XXXX XXXX XXXXXXXX, Wisconsin to reverse all junk fees and provide an option to remove my funds and close the account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I write a check for XXXX $ but chase bank took XXXX $ from my account, I called Costumer service and they say, there's no chance to solve the problem. 

The case number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the fair credit reportingt Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2023-11-08 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: SC

Complaint narrative:
In accordance with the fair credit reportingt Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: SC

Complaint narrative:
In accordance with the fair credit reportingt Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2023-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
According to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 ( 2 ) states " I have a right to privacy. '' 15 USC 1681 section 604 a section ( 2 ) states. '' In general, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX these financial institutions and the consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. ANY and all consent to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, TRANSUNION whether it be verbal, non-verbal, written, implied is revoked. Under 15 USC 1666 ( b ) A creditor may not treat a late payment on a credit card account under an open end 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 non-monetary relief