vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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 have submitted a dispute on how you all are showing a balance on my account of XXXX, but it should be XXXX as the account has been paid and has a XXXX balance. Account stil shows a balance and is hurting my score, needs to reflect correct info of {$0.00} balance

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 2024-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: CT

Complaint narrative:
I accrued points in a workplace program over the course of XXXX years. I cashed them in on XX/XX/23. I was sent a digital visa worth {$470.00} ( no physical card ) from Prepaid Digital Solutions. I used it once but then had trouble getting it to work. I later learned your purchase needs to be less than the total on the card so that was likely why every time I thought to use it it wouldn't work. To use the card, I would have to find the screenshot on my desktop of the card number and manually input all the digits and since I couldn't use in stores ( no physical card ), I forgot about it but it was always in the back of my mind that I had this little nest egg. Finally, remember to use it and see that the expiration is XX/XX/23. I didn't even have a full year to use the card. When I reached out to the company I was told unused funds were forfeited when the card expires. This seems extremely unfair. I was unaware that my state 's law that bans gift cards from expiring for a minimum of 5 years does not apply to these cards. I tried to escalate my request on the third try and was told that my request would be reviewed. I know that the company can still access my statement and info so it is their choice not to reissue my funds. The rep on the phone said I should hear back in XXXX business days. Within an hour, I got this response : Per the terms and conditions, upon expiration of this prepaid card, any unused funds are forfeited. This is predatory behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Went to make changes to my checking/savings account early XX/XX/year>. The change was to add my trust as beneficiary. They told me I could not but added to my checking as account owner. Paperwork was signed and I went on medical leave XX/XX/year>. 

In mid XXXX during my medical leave and unable to drive I was requested to come sign additional paperwork or my account would be closed. I ask for an extension given the circumstances and ask to file a complaint. Both fell on deaf eyes. 

I drive myself to the bank location neatest me to sign the paperwork required but no notary was available. 

I was able to make it to the bank location where I originally signed the paperwork on XX/XX/year> to sign the required paperwork and my checking account was closed the next morning. 

I spent the next morning of XX/XX/year> attempting to get the checking account reopened. The person who originally handled this issue was XXXX XXXX at Wells Fargo Bank at the XXXX XXXX TX located on XXXX XXXX. The branch manager never stepped in to help which I would have thought would have helped and added more urgency to the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is my third attempt in submitting a complaint to the CFPB dating back to XX/XX/XXXX and the company continues to close my complaint using other ( XXXX ) and duplicate ( XXXX ) without providing a response. On XXXX day XXXX, I received multiple text message and phone calls regarding my lowes credit card account with Synchrony Bank. When I returned the call and spoke with the representative as well as escalated call to a manager, I was advised to mail front and back of my id along with a copy of a utility bill to a XXXX XXXX XXXX FL. My account was placed in a special queue. No questions were asked. No transactions were discussed. The handling was disturbing and sketchy. No letter was provided until I requested a letter of explanation. I used my Lowe 's card in XXXX to begin my holiday shopping in store and made a few purchases online around XX/XX/XXXX, XXXX and XX/XX/XXXX. This included gift cards and pink tools/box for gifts and XXXX tree and trimming items for decoration. When I received this strange call and text messages on XXXX XXXX it ruined by holiday especially without proper explanation and delayed timing from my purchase activity. Even after sending USPS Priority docs requested, it took several weeks for Synchrony Bank to sort this out which was more disturbing. This was poorly handled on their part and I would like their management team to revisit this process and provide a detailed explanation on why this occurred ( poor turn-time, lack of information provided, multiples calls and text messages on a holiday, temporarily shut down my card pending escalation review, why send id and utility bill to a XXXX XXXX XXXX Florida, and why my complaint continues to get disregarded ). I previously uploaded an XX/XX/XXXX letter that I requested stating noticed some recent activity and want to confirm it was made by me, however when I called customer service they never once went over transaction details to confirm with me. Second letter dated XX/XX/XXXX that I requested outlined to send the utility bill, bank statement, current rental agreement and driver 's license to a XXXX XXXX in XXXX XXXX, FL. The third attachment was my USPS Priority Tracking Number XXXX confirming delivery on XX/XX/XXXX to XXXX XXXX, FL at XXXX. However it took forever for Synchrony to complete their review and re-activate my line of credit with Lowes. I am expecting a response and ask Synchrony and the CFPB for the third time not to close my complaint until a review is conducted and an appropriate response is provided by Synchrony 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 2024-02-28 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: MD

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

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 2024-02-28 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: PA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-02-28 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:
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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My consumer rights has been violated, looked over and not been taken into consideration. By Experian, XXXX and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX. XX/XX/XXXX i sent out certified letters to each bureau reminding them of the laws they have broken. Experian and XXXX failed respond all together, never received anything. XXXX only sent my report. XX/XX/XXXX I sent more certified letters reminding them that have broken laws again. XX/XX/XXXX I requested for unverified accounts to be removed as they have broken the laws and is required to be removed, they failed to do so. XX/XX/XXXX I sent certified letters reminding them of internal laws that have been broken outlined in Metro2 Compliance, which all 5 laws have been broken and violated. XX/XX/XXXX I sent certified letters in an attempt for them o make things right but still failed to follow the law. XX/XX/XXXX was my last attempt certified letters for them to follow the consumer laws that should protect me. A fair resolution will be for them to remove all negative accounts from my credit profile as each of the laws have been broken outlined at the beginning of this complaint. By reporting inaccurate and unverified information is a violation of my rights and prevents me from moving forward in life.

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 2024-02-28 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: Southern Auto Finance Co
State: FL

Complaint narrative:
I reached out to the companies and they replied stating that it has been verified but failed to show proof of verification. I do not recognize this creditor nor authorized them to pull my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Amount Delinquent {$1800.00} Consumer Statement Canceled by credit grantor Creditor Name XXXX XXXX Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX Amount Delinquent {$1700.00} Consumer Statement Canceled by credit grantor Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CL Holdings LLC
State: IL

Complaint narrative:
As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., theFair Debt Collection Practices Act ( FDCPA ) : Jefferson Captial System Account number : XXXX Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please evidence of your authorization to do business in my state.

Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

According to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and promptly, will work as a waiver to any claims in this matter, and will entitle me to presume that you sent your letter in error and that the matter is permanently closed. 
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CL Holdings LLC
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AZ

Complaint narrative:
I tried to contact plaza services and was given false information and they have something on my credit report that is fraud and not mine and I have tried to take care of the issue with them to clear it but I am always greeted by a rude call taker that is not listening to what I am saying. Furthermore this is a violation of the consumer laws especially 15 U.S. code 1601c. I did not authorize this and this debt doesn't match my information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Charged-off Incorrect amount Listed twice- Balance {$0.00} and {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I am writing to dispute a collection account on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other relevant consumer credit laws, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that you investigate the following account and, if found to be inaccurate, remove it from my credit report in accordance with the FCRA.

Account Information : Creditor Name : Consumer Adjustment Co Date of First Delinquency : XX/XX/2023 Amount : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: DE

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 2024-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I am a member of the XXXX XXXX  XXXX settlement class. Per this settlement, Mohela, my federal student loan manager, must discharge the qualifying loans and fully refund me by XX/XX/scrub>XXXX XXXX XXXX. They have been unable to meet this deadline. 

Mohela has been unable or unwilling to commit to a financial total or a timeline in this process. While I appreciate their request for patience, this is a bank that has failed to meet a settlement deadline. The outstanding total to me is approximately {$55000.00}. 

I have made multiple attempts at recourse throughout the settlement period with Mohela. Including multiple hours of hold times and multi-day waits to speak to supervisors. While some staff are trying to be genuinely helpful, I frequently interact with staff who are, at best, ignorant and, at worst, dishonest. 

I acknowledge that multiple entities are involved ( Mohela & FSA ). I am also aware of ongoing legal action by XXXX XXXX on Predatory Student Lending. 

There were consequences for delinquency at every step of my student loan repayment journey. These delays are an opportunity cost.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TN

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: WV

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

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 2024-02-28 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.

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 2024-02-28 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

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