vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my life together for me and my family. Please review all of the documents removed the accounts that are listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my life together for me and my family. Please review all of the documents removed the accounts that are listed

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 2024-09-03 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: FL

Complaint narrative:
The late payments shown here dont align with how I usually manage my payments, so I need the account to show the correct 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 2024-09-03 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: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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 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 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank offered a promotion of {$300.00} for completing two Enhanced Direct Deposits of {$1500.00} each. I fulfilled this requirement on XX/XX/year>, expecting the bonus to be deposited into my account. However, the bonus was never credited. Last month, Citibank closed my account without any explanation and without providing the promised bonus. Trying to get an answer from them has been nearly impossible. 

Here 's the offer : Step 2 Deposit At least two ( 2 ) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal {$1500.00} or more. Deposits made to a savings account are not eligible.

Make at least two ( 2 ) Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening. Your total combined Enhanced Direct Deposits must equal {$1500.00} or more. Deposits made to a savings account are not eligible. 

According to them, this means you have to wait 90 days AFTER fulfilling the promotion 's requirements. 

I'm guessing they waited until the grace period for checking account fees ended, hit me with a fee, and then closed the account before the {$300.00} bonus could be deposited.

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 2024-09-03 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: MI

Complaint narrative:
The following accounts do not belong to me, they are the product of identity theft. My name and last name are very common and this can lend itself to confusion. The accounts in question are as follows : XXXX ) XXXX XXXX- XXXX {$770.00} XX/XX/XXXX XXXX ) XXXX XXXX- XXXX {$830.00} XX/XX/XXXX XXXX ) XXXX XXXX- XXXX {$640.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$9700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX {$3400.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was served again on XX/XX/XXXX from XXXX XXXX Sheriff 's office - stating I had a balance due of {$2600.00} to Lobel Financial Corp. This is supposed to be remaining balance on a debt from XX/XX/XXXX. 

Original Levy was entered on XX/XX/XXXX against me at my prior Employer - Then was XXXX XXXX XXXX XXXX XXXX- The total due then was {$5300.00}. I paid a total on that levy thru garnishment/payroll a total of {$2300.00} In XXXX of XXXX, I changed to a new job with XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX i was served again for Collection via Lobel Financial Corp thru the XXXX Sheriff 's office for a total of {$5600.00} - I made payments every payday, and paid off the total balance of of XX/XX/XXXX. 

Now, out of nowhere XX/XX/XXXX they served me yet again, for a total now of {$2600.00}. I went down to the XXXX XXXX Sheriff 's office, and was advised I would need to deal with Lobel Financial Corp as they were just the " Bookkeepers '' Attempting to collect the debt. I asked what the debt was for, and they stated " Daily interest '' from the balance that I already paid off. This is Horrible. I contacted Lobel FInancial, and asked for the date of my original Repo which was XXXX of XXXX. 

They would not give me any further information. I do not feel it is within their legal right to pursue any further debt for this 11yr old balance. Especially because I was garnished at 2 jobs, and paid over $ XXXX total which more than clears the original balance owed. 

i Feel it is harrasment at this point, and they are not following the legal law, and how can they collect interest on a debt 11yrs old that was sent to a collector and paid as agreed including the fees by the XXXX Sheriff office . 

Let 's not even mention, the vehicle sold was a lemon, and I voluntarily gave the repo as the vehicle was unsafe and not running. I have moved on in life, and I want them to be forced to leave me alone and close the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo completely violated my checking and savings account by closing my account without explaining to me in black and white why it was necessary for my accounts to be closed. What Wells Fargo did was accuse me of fraud by stating that one or more transactions were unauthorized on my account, which is absolutely 100 % false. Now, they're telling me l will have to wait almost 30 days for a physical check to be mailed to my home, and I won't have access to my funds. This comes weeks after a XXXX XXXX  for my wife, who is in need of XXXX  XXXX  every day. This is creating an enormous hardship and is un-American in the way these corporations take advantage of the small people. I was dismissed by Wells Fargo here at my local branch in XXXX, Pennsylvania, and they seem not to even care about what I was trying to explain to them. What Wells Fargo is doing is very capricious ; it's unlawful and they should be held accountable. I would not advise anyone to put their money in Wells Fargo bank.

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 2024-09-03 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:
To Whom it May Concern, I am requesting your assistance in investigating and correcting this information. 


According to XXXX XXXX. XXXX SECTION XXXX A : STATES I HAVE THE RIGHT TO PRIVACY. 
XXXX XXXX. XXXX SECTION XXXX A XXXX : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX. XXXX. ( a ) ( XXXX ) Section States : NO CONSUMER REPORTING AGENCY XXXX MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY ADVERSE ITEM OF INFORMATION, OTHER THAT CONVICTIONS OF OF CRIMES WHICH ANTEDATES THE REPORT MORE XXXX  YEARS. 
XXXX XXXX. XXXX ( a ) ( XXXX ) 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. 


Below is the personal information that needs to be reviewed and potentially removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am reporting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. Enclosed with the letter are copies of documents that verify my correct personal information, including government-issued identification. 

By the provisions of the XXXX Credit Report XXXX, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand under XXXX. Sec XXXX ( a ). You must complete this investigation within XXXX  days of receipt of this letter. Please send and updated copy my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: CA

Complaint narrative:
After discovering more fraudulent accounts on my credit report, I contacted the companies involved, and they have confirmed these accounts as fraudulent and closed them out. Despite this, these fraudulent items are still appearing on my report.

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 2024-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I was a tenant at XXXX XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. Throughout my tenancy, I paid all rent and fees on time. However, XXXX years after moving out, I began receiving unexpected debt collection notices from Columbia Debt Recovery/Genesis regarding alleged damage and cleaning fees. Key Issues : Delayed Notification : I received no notification of these charges after moving out on XX/XX/XXXX, until the debt collectors contacted me in XXXX. Immediate Collections XXXX XXXX XXXXXXXX sent the alleged debt directly to collections without prior notice or opportunity for dispute. Credit Impact : This action has negatively affected both my credit score and that of my guarantor. Inconsistent Charges : My co-tenants, who lived in the same unit and moved out at the same time, did not receive similar charges, suggesting potential discriminatory practices. Lack of Response : On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX, XXXX, and Genesis Management Leadership regarding these charges ( Genesis case number XXXX, totaling {$320.00} for " cleaning '' and " touch up '' fees ). I have received no response to this dispute. Multiple Attempts at Resolution : I have made several phone calls to XXXX XXXX, XXXX, and Genesis, with the most recent conversation on XX/XX/XXXX, with XXXX from Genesis and his manager XXXX, but the issue remains unresolved. On XX/XX/XXXX, I paid the full payment of {$320.00} to COLUMBIA DEBT RECOVERY LLC DBA GENESIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 2024-09-03 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: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS. F15 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 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 2024-09-03 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: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
The company has been contacted multiple times in regards to my request to remove this from my report I did not under 15 USC 1681 provide them with consent to obtain or furnish my information. I also have no account with midland credit management I have ever consented to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

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 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Gift cards cant be used. I have XXXX gift cards with {$300.00} in credit that cant be used. Its such a hassle. I literally pick out things load my cart up only for the card to come up declined on the terminal. When you look at the gift card account balance the amount is debited as a temp hold. So then you have to wait XXXX days for the hold to drop off before you can try a different store. This is absurd my money is being held XXXX! I cant use what was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Go Capital Holdings, LLC
State: FL

Complaint narrative:
I went to XXXX to inquire about a car. I told them not to run my credit as I wasnt sure what I wanted to do and I would contact them to let them know. I have a witness who was with me and the guy XXXX who works at the XXXX location said he would not run my credit. As soon as I left the company ran my credit 7 times. I ask him why he did that and he said he forgot I asked him not to. I had my friend with me who can verify he said he would not run my credit. I asked to speak with a manager but no one would talk to me and he refused to take my calls and wont call me back. Its not right that companies can do this without any type of repercussions.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I went to hgreg to inquire about a car. I told them not to run my credit as I wasnt sure what I wanted to do and I would contact them to let them know. I have a witness who was with me and the guy XXXX who works at the XXXX location said he would not run my credit. As soon as I left the company ran my credit 7 times. I ask him why he did that and he said he forgot I asked him not to. I had my friend with me who can verify he said he would not run my credit. I asked to speak with a manager but no one would talk to me and he refused to take my calls and wont call me back. Its not right that companies can do this without any type of repercussions.

Company response to consumer: Closed with explanation