vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This account was overdraft due to losing my debit card, I didnt know how else to fix it and I also lost my job in the process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: CA

Complaint narrative:
I responded to an ad for a auto refinance loan from XXXX at a rate of 2.99 %, completing an application online. The application was very generic and did not include details on what I was requesting, but I immediately got notification that their had been a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I contacted them directly, concerned it was a scam, and they said they would investigate. I later received a notice of adverse action denying my loan. 
I received an email confirmation of loan approval from XXXX from one representative ( XXXX XXXX ), however I ended up speaking with another representative XXXX XXXX XXXX ). 
I was requesting to refinance my loan with XXXX XXXX to : 1 ) lower the term of the loan from 60 months to 36 months, and I acknowledged that I understood that would increase my monthly payments ; ( 2 ) Lower the interest rate ( which was 4.95 % with XXXX ) ; ( 3 ) Replace the current loan company ; ( 4 ) Secure a Loan with no pre-payment penalties. My XXXX was listed as co-applicant. 
After discussing my loan needs with XXXX, she seemed positive that they would be able to do my loan. In the final conversation with XXXX, she states they were unable to accommodate my loan request. She stated they hadn't offered a 2.99 % loan for some time, and also stated that my credit was good and did not factor into their decision. I then received letters of adverse actions from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I sent a letter requesting specific statements for my credit denial from XXXX, and emailed XXXX XXXX also requesting additional information on the credit denial, and received No Response from either. I contacted both of the other companies, and neither offered at 2.99 % loan, and both indicated they had rejected the loan because the information they had was for a very lengthy loan term ( over 70 months ) that they did not offer. XXXX had submitted incorrect information regarding the loan I was seeking because both said they accepted 36 month loans. Their loan rates were higher than my current loan. 
Thus XXXX XXXX XXXX XXXX engaged in a bait and switch advertising offering a 2.99 % loan to get me to apply for an automobile refinance. They provided false information on the terms and conditions of my request to potential lenders, leading them to do inquiries on my credit report that effected my credit rating, and resulting in Adverse Action. XXXX refused to provide details on why they denied a loan they had initially told me was approved. I believe they should be investigated and held accountable for unethical business practices that caused harm to the credit of others. 
I have copies of the advertisement, correspondence with the representatives, Letters of Adverse Actions, and letter requesting additional information on my loan denial. I am unable to download materials but can submit them in hard copy if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Was auto renewed without advance notice for a one year subscription for {$490.00} to a publication called XXXX XXXX  When I notified XXXX XXXX  i did not want another year of publications I was told that I would have to wait a year to cancel. 
When I tried to dispute the charge through American Express I was informed there was nothing they could do on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reported balance on my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company : Chase Date : XX/XX/XXXX Amount : over {$70000.00} I have been a Chase customer for years. They just mailed me a letter to notify that they have decided to closed all my accounts ( including checking, saving and credit cards ) in Chase without telling me a specific reason. Chase didn't contact me before and they told me this is a final decision and they didn't accept any appeal too. 

This decision not only hurts my feeling but also causes a lot of inconvenience to me. It will take extra time for me to transfer my money to another financial institution and will cause a pause of financial services for a period of time. Moreover, it will have negative impact to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have 3 US DEPARTMENT OF EDUCATION loans that are incorrectly being reported. The status of the accounts should reflect the same for each consumer reporting agency. XXXX has all these accounts as paid on time with no missed payments. However, Equifax consumer report is not reflecting the same and it is damaging my credit and character from this low reporting score. I have requested Equifax to correct this error however, it has yet to be updated. 

There is also a XXXX XXXX XXXX XXXX XXXX account that is reflecting on my consumer report however this is not my account, i was an authorized user but the account does not belong to me. It is also damaging my credit and character by having this account reflect as a CLOSED account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] XXXX XXXX XXXXXXXX XXXX Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o My report include

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] XXXX XXXX XXXX XXXX  Summary XXXX XXXX XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$850.00} Account Status COLLECTION Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report include

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  is reporting a collection account on my consumer file. This account has been handled in the Magistrate Court. The case was DISMISSED due to failure of XXXX XXXX  to validate that this is a debt and that the debt belongs to me. 

The incorrect reporting of the account is damaging my credit and character on my consumer profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score cant be retrieve on my annual 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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint with CFPB. Pertaining to the inaccuracy that is reporting from Experian Credit Bureau. I have submitted a dispute concerning the inaccurate personal information being reported on my credit file. The inaccurate information is violating my civil rights. Under the FCRA, 15 usc 1681 per federal law as it pertains to 100 % complete accuracy.

I am demanding that all the old and outdated inaccurate information be deleted. Other than my personal information contained in this complaint. I request that all the other information be deleted. All, variations of names, addresses,
dob 's, phone numbers from my personal information.

See attached listing of copy of personal information to be deleted by Experian Credit Bureau. Also, delete my social security number, alone with my phone number, and dob for security reasons

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are negative aspects going back to 2021 on my credit that have hindered my purchasing of a new home as well as inquiries I did not submit. I am filing this report in correlation to the law 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, 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:
There are negative aspects going back to 2021 on my credit that have hindered my purchasing of a new home as well as inquiries I did not submit. I am filing this report in correlation to the law 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Item : XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX Opened on XXXX XXXX and XXXX  XXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXX XXXX  account # XXXX Opened XX/XX/XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of cries 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 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account #. XXXX account name : JPMCB CARD. has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
I have yet to be informed by Santander Consumer about the change in my account status to charge off, which has had a detrimental impact on my credit. It is imperative that this is expunged from my XXXX, XXXX, and XXXX reports without delay. I insist on immediate action. Union reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 account ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I bought 3 XXXX gift cards issued by US bank from XXXX. 2 of the 3 cards can't be used and got declined when I tried to use them. I called the number on the back of the card, I was told to submit documents to XXXX for card replacement. I submitted all documents for one XXXX gift card. but the website gave me an error when I tried to submit documents for the 2nd XXXX gift card, I tried several times and it always gave me error and it didn't go to the next step for me to submit documents. I called the number on the card again and was told the website is the only way to submit documents for replacement. so I am stuck and with no way out.

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 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: KY

Complaint narrative:
Well my boyfriend said he saw money that I supposedly transferred from his account to mine says my phone is linked to his some how idk what to do about it I need to figure it out he said NetSpend, XXXX XXXX, because there is a glitch or something with NetSpend because I get a card once a week.no joke .he thinks it is me scamming XXXX somehow unless my phone is hacked or something but my identity was stolen twice I know of

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 12 " potential negative '' student loans account that are reporting incorrectly on Experian consumer file. The 12 accounts should be reported as " paid on time '' as it is reflected on XXXX. 

I have a closed account XXXX XXXX  that was removed from XXXX and XXXX HOWEVER, Experian is still showing this account on my profile as " CLOSED '' this is negatively impacting my credit and character. 

I have a XXXX XXXX collection account that is reporting negative on my report. This account has been DISMISSED in court as an account that is not a valid debt that I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XXXX XXXX someone use my card and spend almost XXXX dollars on stuff and i call my bank when it was still pending to stop it they said i had to wait until it goes thru so i could do an dispute. Then that i had to send the paperwork before ten days. Now its been 6 days already am keep calling cause i need to make my car payment that i need my money. Now they say its gon na be 45 days.its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 account ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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