vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My complaint is with Experian. I just simply wanted to freeze/unfreeze my credit online. 

Basically, within their website, they duped me into opening a checking account while in the process of just checking and unfreezing my credit. I am a very computer savvy person and pay close attention, but somehow this account was made without my knowledge. 

A month later, after getting dozens of spam emails from them marketing their account services, etc. I go to their website to cancel this account that I did not want.

Of course, this process can not be done online ( but ironically opening the account was so simple I didn't even notice it ). They direct you to a phone number to complete the closure of the account.

Needless to say, an hour later, 8-9 different reps and at least 4 dropped calls they FINALLY got me to the person to close this account. Not only that, but this person was prompted to try to sell me some other service from Experian while this process was going on. 

This was about the most incompetent and shady dealing I have ever had with any company in my adult life, yet they are one of the " Big Three '' credit reporting agencies. It's almost unbelievable.

Not only that, but they would send dozens of emails a week about their " services '' and other nonsense that I had no interest in. XXXX and XXXX did nothing even remotely similar- And I froze and unfroze my credit with all 3. 

I am highly dissatisfied with my experience with Experian and think they should be embarrassed for their unbecoming and pushy behavior.

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 2024-03-02 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: MD

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a Discover card about 18 years + ago. I remember paying them around {$700.00} to an agency that keep calling me about 14+ years ago. After that i never received any calls or mail. I had assumed it was settle. In XXXX I went to live in XXXX. On XXXX, XXXX I moved back to the States to a new address in XXXX XXXX a bit far away from my preview address from XXXX. A few months ago my current job contacted me. Stating that my wages will be garnished. They provided me with the information of the company that was doing it so. The company name is XXXX XXXX, XXXX a debt collector. I had call them and ask them they reason behind and why I was never informed or received any mail regarding this. They told me they had send some correspondence to the address they had on file. And that is should call the judge that authorized and talk to him. There was nothing they can do. 
I had call the court were my case had take place but i was told to go see the judge and see what can be done. I have not had a chance to go there as my job is Monday to Friedan. I will try to go there in the coming days. As of the moment they are taking {$400.00} as month of my check from a credit card that i had about 18 years ago. The credit card was for about {$750.00} at the time and this company is asking to pay them {$8000.00} claiming interest. 

Any advice on what I should do. 

I feel that i was never given a chance to explain my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX reported my payment late in XXXX 0f 2023. I ask them to show proof i was late and they didnt respond. Dates of last payment are 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX reported my payment late in XXXX 0f 2023. I ask them to show proof i was late and they didnt respond. Dates of last payment are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: CA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}

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 2024-03-02 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 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: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2024-03-02 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I do not know why or how I was being overcharged. That is why I am trying to determine from Well Fargo, but they repeatedly -- after phone calls and directly letter writing to them -- -yet they refuse to do so. I am also forwarding CFPB my latest letter to them as part of this complaint.

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 2024-03-02 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: AZ

Complaint narrative:
This is to express my deep concern and frustration regarding the slow response to removing fraudulent items from your platform. As a loyal user of your service, I am alarmed by the frequency with which fraudulent listings appear and the lack of swift action taken to address these issues. 

In recent weeks, I have noticed an increasing number of fraudulent items being listed on your platform. These items not only deceive unsuspecting customers but also tarnish the reputation of your company. Despite reporting these fraudulent listings promptly, I have observed a significant delay in their removal, allowing them to continue deceiving users for an unacceptable period. 

The presence of fraudulent items undermines the trust and credibility of your platform, posing serious risks to users who may fall victim to scams or receive substandard products. It is imperative that your company takes immediate and decisive action to remove these fraudulent listings and prevent further harm to your user base. 

I urge you to implement more robust fraud detection mechanisms and allocate sufficient resources to ensure the swift removal of fraudulent items from your platform. Additionally, providing users with clearer channels to report suspicious activity and timely updates on the status of their reports would greatly enhance transparency and accountability. 

Failure to address these issues promptly not only jeopardizes the safety and security of your users but also reflects poorly on your company 's commitment to providing a trustworthy platform. I implore you to prioritize the removal of fraudulent items and take proactive measures to safeguard the integrity of your service. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} 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 2024-03-02 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: AZ

Complaint narrative:
This is to express my deep concern and frustration regarding the slow response to removing fraudulent items from your platform. As a loyal user of your service, I am alarmed by the frequency with which fraudulent listings appear and the lack of swift action taken to address these issues. 

In recent weeks, I have noticed an increasing number of fraudulent items being listed on your platform. These items not only deceive unsuspecting customers but also tarnish the reputation of your company. Despite reporting these fraudulent listings promptly, I have observed a significant delay in their removal, allowing them to continue deceiving users for an unacceptable period. 

The presence of fraudulent items undermines the trust and credibility of your platform, posing serious risks to users who XXXX fall victim to scams or receive substandard products. It is imperative that your company takes immediate and decisive action to remove these fraudulent listings and prevent further harm to your user base. 

I urge you to implement more robust fraud detection mechanisms and allocate sufficient resources to ensure the swift removal of fraudulent items from your platform. Additionally, providing users with clearer channels to report suspicious activity and timely updates on the status of their reports would greatly enhance transparency and accountability. 

Failure to address these issues promptly not only jeopardizes the safety and security of your users but also reflects poorly on your company 's commitment to providing a trustworthy platform. I implore you to prioritize the removal of fraudulent items and take proactive measures to safeguard the integrity of your service. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My complaint from XX/XX/year> was never answered. Only a phone call stating I would receive another call from a resolution specialist within a FEW days. Well, that call never came, much like my check, and now they need 60 days to answer?! Just send my money please! I dont understand and cant fathom what on earth they are doing by not sending me my money/cashiers check! I should not have had to wait this long ( 6 months! ) let alone until XXXX! If its not enough money for them to put tracking on, which is absurd by the way, then its not enough for this bank to keep XXXX! It was first supposedly mailed in XXXX, it is now XXXX and I STILL dont have my money from this account! I honestly believe it was never mailed the first time, either, and all those XXXX  sleepless nights thinking someone might cash my savings was for not! What an absurd and cruel bank! Please send me my money!! Ive had to get a second part time job XXXX XXXX to make ends meet, because this was all my savings!

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 2024-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Solutions Inc
State: NE

Complaint narrative:
In XX/XX/XXXX, I received a notice from A/R Solutions advising that I owed a debt for XXXX relating to medical treatment for my daughter in XXXX. The notice was dated in early XX/XX/XXXX and I did not receive the notice until after my 14 days to dispute. Despite not receiving proper time to dispute the debt, I sent in written verification that I did not owe the debt and provided proof that I paid the debt in XXXX. Thereafter, the provider, XXXX XXXX XXXX confirmed I paid the debt for my daughter 's treatment, but then said I owed {$75.00} for my own medical treatment in XX/XX/XXXX. I then provided proof that I also paid everything owed for my medical visit in XX/XX/XXXX and nothing was due and owing. I paid all outstanding medical amounts in XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX sent me an email verification confirming that I did not owe anything further and that they were contacting AR Solutions to stop all debt collections against me and apologized to me for the inconvenience. 

On XX/XX/XXXX, I received notice from AR Solutions dated XX/XX/XXXX advising that I still owed XXXX XXXX XXXX {$75.00} for my medical treatment in XXXX and that I had until XX/XX/XXXX to dispute the debt. This is the second time that AR Solutions has fraudulently dated its notice of debt collection to deprive consumers of an opportunity to dispute a debt within the time permitted. It is also fraudulent to collect on a debt that has already been paid, where proof of payment has been submitted, and the provider has confirmed such. 

After XX/XX/XXXX, I asked for confirmation that no further debt collections actions would be pursued, and I was told that no such debt collection activity would occur and my credit would not be impacted. I believe I'm being harassed unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Sears Credit Services by CITI failed to send me a XXXX XXXX in 2024. I called XXXX and paid my XXXX XXXX of {$61.00} by Bank Card. The {$29.00} late fee was waived by phone due to an excellent payment history. A reprint of my XXXX and upcoming XXXX statement was sent by USPS. The XXXX Statement was sent but failed to note my XXXX Statement payment of {$61.00} ( on XXXX ) and the waived {$29.00} late fee in XXXX ( on XXXX ). The XXXX Statement was for {$150.00} for {$61.00} ( XXXX ) {$29.00} ( XXXX Late Fee not reversed as promised ) and {$62.00} for XXXX. I paid my XXXX Bill of {$62.00} on XXXX to bring my account current. I called ( XXXX ) Sears Credit Services by " XXXX '' said that my payment was late ( {$29.00} ) in also demanding that I pay XXXX Statement billing of {$90.00} early for a total of {$110.00}. I dispute the XXXX Late Fee of {$29.00} and will only be rendering {$90.00} for XXXX Statements billing of {$110.00}. If I am charged a late fee ( XXXX ) and/or it is not removed ( XXXX ) another complaint will ensue with the XXXX  and FTC in protecting my credit rating. End of Statement

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 2024-03-02 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: CA

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

account name # XXXX XXXX account number # XXXX 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 2024-03-02 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: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INQUIRIES. 
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