vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX for {$120.00}, XXXX XXXXXXXX XXXX for {$37000.00}, and XXXX XXXX XXXX for {$330.00} 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
Company appeared on my credit report in XXXX even though it says they were trying to collect in XXXX which is incorrect based on monthly reports in addition to not being able to give my account # number since I havent done any business with them their Number doesnt match the company either

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a notice by email that a credit card account ( Home Depot Consumer Credit Services, run by Citibank , N.A . ) had been opened under my name, on or about XX/XX/year>, and that a credit card would be shipped to me, showing roughly {$1400.00} in charges. At no time did I ever apply for such a credit account. I was finally able to reach a live person at XXXX XXXX on Monday, XXXX XXXX, XXXX, and reported the fraudulent account and identity theft. The account was closed promptly. ( Account XXXX. XXXX XXXX XXXX XXXX ) They also opened an investigation. 

However, their investigation concluded that the account was NOT opened fraudulently and they were still holding me responsible for the charges. After calling XXXX XXXX again, they verified that the application had a different address, social security number, drivers license number, D.O.B., and that the purchase was for a stackable washer/dryer purchased in XXXX, PA. They reopened the investigation. 

The results of that investigation concluded that the account was NOT opened fraudulently, that I had paid something on the account ( I have not ), and that I was still responsible for the charges, and would report me to consumer reporting agencies if I didn't pay. I have been receiving calls from Citibank ( now stopped at my request ), ongoing billing statements, and email requests for payment on an account that I never opened, made purchases against, nor made payments on.

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 2024-03-14 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: WA

Complaint narrative:
In XX/XX/XXXX, and XX/XX/XXXX I reached out to XXXX in regards to incorrect information listed on my credit report. I also filed a dispute with Experian and XXXX in regards to the incorrect information being reported on my credit as a balance instead of paid in full due due to the discharge letter I received. After two rounds of disputes with Experian & XXXX. They continue to certify it as true and accurate regardless of edfinancial sending updates to the credit bureaus in XX/XX/XXXX, and XX/XX/XXXX as paid in full. Also, I have filed dispute, sending them the documentation at XXXX XXXX sent me as a paid in full letter, and they still have disregarded and continue to report balances when there is no balance to report and the account is 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 2024-03-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I had four synchrony credit accounts 1. QVC good standing no missed payments. Low balance 2. Care credit no balance 3. Jcpenney low balance, paid on time in good Standing 4. Synchrony HOME. Paid on time, in good standing. Original limit was for XXXX for a stove. Took the entire balance. Paid it off in good standing no missed payments. 
I received notice last year thry were lowering my credit on Care Credit from {$2000.00} to {$300.00}. 
Recieved notice thry were closing my HOME account as soon as it was paid in full ( XX/XX/year> ) I have never missed a payment on ANY revolving account in recent years. The fact that yhry choose to " occasionally run your credit '' a d choose to close accounts based on overall debt is unfair a d possibly predatory. How is it they will give you a card, maxed out day one that they approved. Thrn when you pay it off ( with the Interest ) thry close thr account. I could see if the account was late. It never was. This affected my credit terribly. In essence ruining everything I worked for in paying on time. Them closing my account lowered my debt to available credit. This should not ve allowed. If a card has an available balance, unless they have a legitimate reason to cancel as in late payments thry should not be able to close an account.

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 2024-03-14 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: CO

Complaint narrative:
The report stated the info is correct according to XXXX. I am part of the XXXX XXXX XXXX class action lawsuit. There was a hard deadline of XX/XX/2024, for my loans to be discharged, refund sent, and credit scrubbed. Unfortunately, the missed the deadline and I still have not had my loans discharged, sent a refund or had my credit cleaned up. I have called both XXXX and XXXX and been given the run around. They both blame each other, and in the meantime I was denied a car loan due to this negative info on my credit report due to XXXX not being held accountable to the deadline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: CO

Complaint narrative:
The report stated the info is correct according to XXXX. I am part of the XXXX XXXX XXXX class action lawsuit. There was a hard deadline of XX/XX/2024, for my loans to be discharged, refund sent, and credit scrubbed. Unfortunately, the missed the deadline and I still have not had my loans discharged, sent a refund or had my credit cleaned up. I have called both XXXX and XXXX and been given the run around. They both blame each other, and in the meantime I was denied a car loan due to this negative info on my credit report due to XXXX not being held accountable to the deadline.

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 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against Wells Fargo regarding a recent incident involving a failed XXXX payment . Despite my repeated attempts to resolve the matter directly with Wells Fargo, I have encountered significant obstacles and remain unsatisfied with their response. 

On XX/XX/2024, I utilized Wells Fargo 's services to send a {$100.00} XXXX payment to a recipient who is registered with XXXX and is also a customer of Wells Fargo. The intended recipient 's details are as follows : Name : XXXX XXXX Phone Number : XXXX However, despite the deduction of funds from my account, the payment was never delivered to XXXX XXXX. Despite my efforts to seek clarification and resolution through multiple calls to Wells Fargo 's customer service, I have been met with evasive responses and a failure to address the issue effectively. 

According to Wells Fargo representatives, the failure to deliver the payment was attributed to a purported token issue within their system. Despite this acknowledgment, Wells Fargo has refused to accept responsibility for the failed transaction, claiming that it falls outside their jurisdiction. 

Not only has Wells Fargo failed to deliver the funds to the intended recipient, but they have also neglected to provide any information regarding the whereabouts of the money. Furthermore, despite my insistence, they have failed to initiate the refund process. 

I believe that, given Wells Fargo 's history and pattern of fraud, their handling of this matter constitutes a blatant act of fraudulent behavior and a violation of consumer rights. As such, I am seeking your intervention to ensure that Wells Fargo fulfills its obligations to deliver the funds to the intended recipient or issue a prompt refund. 

I urge you to investigate this matter thoroughly and take appropriate action to hold Wells Fargo accountable for their actions. Additionally, I request that measures be implemented to prevent similar incidents from occurring in the future and to safeguard the rights of consumers. 

Thank you for your attention to this matter. Your office will take the necessary steps to address this complaint and ensure a satisfactory resolution. 

Sincerely, 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 2024-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened CFPB case about AMEX XXXX. They tried billing my bank account despite manual payment made to fulfill minimum payment requirements. 

I have requested a stop payment in XXXX to avoid repeat of same this month. I have already informed AMEX about stop payment made in XXXX in XXXX. 

But they seem to indicate that I must make auto payment. I made a manual payment on XXXX XXXX but it is shown as advance payment made for XXXX. I requested them to account the manual payment towards minimum payment due for XX/XX/year>. 

They were asking me if I want to cancel manual payment despite me explaining the fact that the automatic payment they initiated will not go through in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : 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 non-monetary relief
Consumer complaint received 2024-03-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America and XXXX bank is reporting to several credit monitoring companies and a company called XXXX XXXX XXXX that I had an account with them. I have repeatedly contacted them asking for the documents that would verify that I opened the accounts and time and time again have been denied. I have given then police reports stating that I was a victim of identity theft and they have yet to remove the information.

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 2024-03-14 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: OH

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, are not complete and accurate. 
I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-03-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: ADP Inc.
State: TX

Complaint narrative:
On XXXX I was looking through myWisely app ( which is connected to my wisely by ADP payroll card ) and noticed they had a rewards program for cash back when you shop at certain retailers. I was suspicious at first of who the eligible retailers were - there was no way for me to tell on the banks site - so I went out to the terms and conditions and read through them and discovered this was a program through a 3rd party company called XXXX. So I went out to the XXXX website to see the retailers they work with I see XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other- retailers I shop with appear on their website so I decide to opt in - feeling somewhat mollified that the terms and conditions also indicate I can opt out by calling customer service. After opting in it turns out the only retailers participating in the program are smaller independent restaurants- no large retail stores as their website misleadingly indicates. So today I attempted to call the customer service line to opt out- my first call was early in the morning and my call is not able to be escalated because the guy who is working overnight doesnt have anyone to escalate to- that office is closed. So I called back later in the day- I verified my information let the rep know I wanted to opt out per the terms and agreement of the program and am advised that it is not possible to do so. I also advised that I wanted to speak with a supervisor and I am put on hold and eventually disconnected without being able to speak with supervisor- though we verified my call back number when we were verifying my information for security purposes. I call back again and have my call escalated right away making sure that if I am disconnected this time I expect a call back- this time I am able to speak to the supervisor XXXX XXXX XXXX - who confirms that they have no way to Opt out of that program. I advise that I dont need a third party company ( XXXX XXXX tracking my spending when their is no benefit to me and apparently the only way to not have them do that now that I have opted in is to quit using my payroll card wisely by ADP . Supervisor confirms. I clearly indicate that I am disappointed that the terms and conditions of the program can not be met as indicated and I would be submitting a report to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me and I firmly believe they are fraudulent. I implore you to conduct a thorough investigation and promptly erase them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-14 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief