vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It's been over 6 months I originally added {$250.00} to my XXXX XXXX from my wells Fargo card but then I. Got a email saying my XXXX  account was closed and never received my {$250.00} back to my original card

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 2024-05-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Complaint Against Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being.

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

XXXX XXXX XXXX  Background 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account Number : XXXX 2. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score. 
- I have already paid off the account in full. 
- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation.

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, 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 2024-05-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : XXXX XXXX Best Buy/Citi Bank Regarding Inaccurate Reporting of Late Payment and Request for Goodwill Adjustment I am writing to file a formal complaint against Best Buy/Citi Bank regarding their inaccurate and harmful reporting of a late payment on my account, which has severely impacted my credit score and overall financial well-being.

Despite my continuous efforts to resolve this matter directly with Best Buy/Citi Bank , they have failed to properly address my concerns. This negligent reporting violates the Fair Credit Reporting Act ( FCRA ) and has caused significant distress and financial damage. 

# # # Background 1. **Account Information : ** - Account Name : Best Buy/Citi Bank - Account XXXX : XXXX XXXX. **Issue : ** - The late payment reported on my account was inaccurately reported and has adversely affected my credit score.

- I have already paid off the account in full. 
- I have repeatedly requested a Goodwill adjustment, acknowledging that while it is not obligatory for the creditor, Best Buy/Citi Bank did not take the proper steps in handling my situation.

Violations of the FCRA Section 623 ( a ) ( 7 ) : This section requires furnishers to notify consumers if they report negative information to a credit reporting agency within 30 days. Best Buy/Citi Bank did not notify me of the reported late payment within the required timeframe, leaving me unaware of the negative impact on my credit score until it was too late to address it proactively.

Impact on My Life The inaccurate reporting of this late payment has had devastating effects on my credit score, which in turn has affected various aspects of my life, including : - Denial of credit applications- Higher interest rates on loans and credit cards- Difficulty in securing housing - Emotional distress and anxiety due to financial instability Attempts to Resolve the Issue I have contacted Best Buy/Citi Bank multiple times , providing all necessary documentation to support my case and requesting a Goodwill adjustment. Despite acknowledging receipt of my documentation and understanding my situation, they have refused to make the necessary corrections or adjustments to my account. Their lack of cooperation and failure to act in accordance with the FCRA has left me with no choice but to seek assistance through the FCRA Sincerely, 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 2024-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Exodus Movement, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I initiated a {$220.00} withdrawal from my bank account in order to deposit onto a platform called " Exodus XXXX. '' This withdrawal posted to my bank on XX/XX/XXXX. 

Immediately after making the deposit into Exodus, I watched my {$220.00} balance disappear, right before my eyes. I then saw my account reflecting a {$0.00} balance, despite that deposit. As such, I made contact with Exodus ' support team, who informed me that my account was hacked/compromised, as someone had immediately sent the funds to a different crypto wallet. They explained they were opening an " investigation, '' but that they could not refund me my money. To best help myself, the Exodus support team told me to file an Internet Crime Complaint with the Federal Bureau of Investigation, which I have done. The Exodus support team, when advising as to how I can obtain my funds back, instructed me to file a dispute against the payment processor that they work with ( XXXX ) through my own bank ( XXXX XXXXXXXX XXXX. ) I have a copy of the FBI report and a copy of my conversation with the Exodus support team. 

I filed the dispute against the XXXX charge through my bank, as instructed by XXXX ' support team. Today, I heard back from my bank via mail. To my dismay, my bank informed me that they received a response from XXXX, being that XXXX is not interested in honoring my dispute or refunding me the money which was stolen from me. The supervisor I spoke with at XXXX is named XXXX XXXX. XXXX explained to me that because XXXX is not in agreement/cooperating with my side of the dispute, that I will be out of the money and it will be taken from my bank account on XX/XX/XXXX. 

I explained to XXXX that I don't even have the money in my account to cover this as of today ( XX/XX/XXXX ), and he explained that there was nothing he could do. XXXX suggested that I file a complaint with a government body, so that is why I am filing my complaint here with you, CFPB. My experinence has beyond disappotining and frankly, scary. I feel very unprotected and unvalued by Exodus and XXXX XXXX Bank. 

Throughout my experience, I have only followed the instruction of the Exodus support team, the instruction of the FBI 's ICC guidelines, and the instruction of the disputes team at XXXX Bank. Exodus and XXXX seem not to be interested in making things right by advocating for the consumer ( me ). I have never filed a CFPB complaint - I felt I needed to do so this time because I am at my wit 's end trying to advocate for myself. 

I am extremely hopeful for your help in recovering my funds and therefore keeping consumers protected from situations like this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: GA

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXXXXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: GA

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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
ulta beauty rewards credit card. I paid off the credit card in XXXX of XXXX. The payment was received but they continued to charge me interest. I was not using the account so there should have not been a balance due. I did not check any statements. The claim there was residual interest of {$3.00}. I received all information online. They are continuing to bill interest and late fees.i was never aware of a fee until XXXX when I called because I had received a notice and they refused credit any fees. I closed the account. Now they are just talking over me and not allowing me to ask any questions. The phone staff are very nice but are not assisting. This feels insensitive and illegal and should be stopped. XXXX was the manager I spoke with and she was not helpful and would not consider any reductions. I should not have to pay any interest or fees o. A account that was paid off and closed. When we pay the statement balance as a consumer we expect to have a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE MONTH YEAR OF FIRST CHARGE OFF SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONT. THIS IS AN UPDATE IN THE PAYMENT HISTORY .A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE HISTORY THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT. 

HAS VIOLATED MY RIGHT I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT CAPITAL XXXX XXXX XXXX XXXXXXXX XXXX XXXX BXXXX 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 2024-05-19 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: MD

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 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 non-monetary relief
Consumer complaint received 2024-05-19 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: IL

Complaint narrative:
I have reviewed my CONSUMER reports and i noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached

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 2024-05-20 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:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.

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 2024-05-19 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: MO

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

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-19 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: MO

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

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: IL

Complaint narrative:
I have reviewed my CONSUMER reports and i noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX, XX/XX/2021 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached

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 2024-05-19 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: FL

Complaint narrative:
I subscribe to the XXXX XXXX XXXX advertised and the system does not work. I pay my utilities on a weekly basis yet the system system no payments found. Today I checked again. The accounts under XXXX XXXX show the item BUT does not update my account or XXXX. I have removed the accounts and added them back to the credit report, this still does not update or XXXX the credit. I also have checked other reporting agencies and they all have a much higher score also shows my XXXX loans are paid off. Experian is the only credit reporting agency that does not update my credit to show the most accurate information for payments.

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 2024-05-19 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: NY

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 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 non-monetary relief