vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23, I was treated with prejudice at Wells Fargo Bank. I had made an appointment at the closest Wells Fargo Bank on this date at XXXX XXXX to change my legal name due to marriage. I met with XXXX XXXX, Associate Personal Banker. XXXX XXXX was ill and was coughing and blowing her nose ( she should not have been working with customers ). I gave her my paperwork : original marriage certificate, original stamped & signed court decree granting the petition for change of name, and my driver 's license & social security, both with my new name. She copied it and sent it to an office who approves such changes. It was DENIED! 
I believe that since my decree was from the TRIBAL COURTS OF XXXX XXXX XXXX XXXX XXXX STATE OF ARIZONA, it was not recognized as complete and original. It was the original signed decree from the Hon. Judge of the Tribal Court. It is also my belief that because XXXX XXXX was not feeling well, she failed to copy and send the entire documents and, therefore, inaccurately performed the procedure of making a name change. 
The manager of the bank, XXXX XXXX, was with another customer but paused to help. XXXX XXXX was abrupt, rude, and dismissive toward me. She said if it's denied, it's denied, and there was nothing she could do. I explained I had my accounts for many years, including prior business accounts, and paid off loans with Wells Fargo. I asked her to review my paperwork, my long-standing favorable history, with the higher authority for approval. She looked at my old, damaged file folder holding my paperwork and did not bother to review it, saying if it's denied, it's denied. 
I believe that XXXX XXXX 's attitude of hostility and opinion of me ( a Native American in gym clothes with a beat-up file folder ) was prejudiced. XXXX XXXX made this judgment and disregarded the Tribal Court 's decree, saying it was incomplete and a copy. I requested her to re-examine my paperwork and my bank history, but she did not, therefore prejudiced, with no just grounds or sufficient knowledge of my legal rights. I do understand that she had a customer waiting, but she could have agreed to examine my paperwork at a later time and she would have seen it was a complete and original marriage certificate and legal decree with an original seal and signature. 
I believe that I -- and the Tribal Court of XXXX XXXX XXXX XXXX XXXX -- were treated with prejudice and the court 's decree was disregarded as insignificant. 
I am making this complaint BEFORE filing a complaint and class action suit with the Tribal Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid a bad debt collection off in full, XXXX XXXX XXXX. they in turn said that once it was paid off they would submit to credit bureaus and delete off my credit report, they have not. I am trying to buy a home and this is preventing me from doing this. Can you please reach out and delete this off all of my credit reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WELLS FARGO BANK Account type - Credit card Date opened - XX/XX/year> Account number - XXXX Case number - XXXX This complain is in response to Consumer Financial Protection Bureau complaint number : XXXX. 
Above Account created under WELLS FARGO BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that 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 2024-03-27 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: FL

Complaint narrative:
I filed a FTC report for the unauthorized inquiries I see reported on my credit and submitted a complaint with CFPB however I spoke to a representative and she states that they never received any complaint or report of such and refuses to remove the unauthorized inquiries as requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
The debt and documents that genesis are sending for proof is incorrect, the property XXXX has fraudly sold this incorrect debt to genesis, the property never communicated with me about these extra fees or even tried to settle this debt with me because they knew it was incorrect, i will continue to fight this until it is resolved, i do not owe this amount and it is illegal to put interest on a debt that i did not sign a contract with genesis. They also call me all types of hours and days all day, making threats and being very disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I enrolled in the Amex Offer for XXXX and followed the instructions to use the offer but American Express is claiming because I used XXXX XXXX  that my purchase doesnt qualify. This exclusion makes no sense when it clearly states on American Express website : XXXX XXXX XXXX XXXX XXXX ) Can I take advantage of Amex Offers using XXXX XXXX? 

Yes. If you enroll your American Express U.S. Consumer or Small Business Credit or Charge Card in Amex Offers at merchants that accept American Express contactless payments, you can make qualifying purchases using XXXX XXXX  that will be eligible for the offers. Amex Offers is not available for American Express Corporate Cards. To learn more about enrolling in eligible offers, please visit AmexOffers.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I'm contacting you because XXXX contacted me, someone opened an account using my name and purchased a XXXX tablet this transaction was identity theft. I had nothing to do with this transaction, I have provided a police report to XXXX and then turned this over to their collection company True Accord. I've communicated and sent documents to XXXX and True Accord. 
I am asking for help from the Consumer Financial Protection Bureau because XXXX closed an account out and then released an address where I never lived or visited a credit bureau. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative items that persist on my credit report. It is concerning that despite my efforts to challenge these unauthorized negative entries, they continue to adversely impact my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding the negative items that persist on my credit report. It is concerning that despite my efforts to challenge these unauthorized negative entries, they continue to adversely impact my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAVE WRITTEN THIS LETTER TO DISPUTE A CLAIM THAT IS FALSELY LISTED ON MY CREDIT REPORT WITH YOUR BUREAU. THE AMOUNT ( S ) OWED ARE NO LONGER OUTSTANDING FOR THE FOLLOWING ITEMS : PARTY OWED : 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} I AM DISPUTING THIS CLAIM DUE TO. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. THIS IS MY OFFICIAL REQUEST TO HAVE THE AFOREMENTIONED ITEM TO BE DELETED OFF MY CREDIT REPORT, ENCLOSED MAY BE ADDITIONAL EVIDENCE TO SUPPORT MY CLAIM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized Credit Inquiry by Your Company placed on my Credit Reports While checking my personal credit report, I noticed an inquiry was placed on my report made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint to address the persistent inaccuracies and incomplete information on my Equifax credit report regarding the XXXX XXXX XXXX XXXX account. Despite multiple disputes and efforts to rectify the situation, the inaccuracies persist, adversely affecting my credit profile. 

I have attached the dispute results from previous disputes filed directly with Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX, which all resulted in accurate information being removed and replaced with further inaccuracies. Additionally, I filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2022, regarding this matter. Complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: DC

Complaint narrative:
These Credit Reporting Agencies Experience, XXXX, XXXX, Has Placed Inaccurate Information On My Consumer Report. I Pursuant To The Fair Credit Reporting Act ( FCRA ), This Is A Violation To My Rights As A Consumer. Please See Attachments!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B OF A HAS FAILED TO UPDATE MY RECORDS, DESPITE NUMEROUS ATTEMPTS TO REACH OUT TO THEM. B OF A HAS NOT CREDITED MY ACCOUNT FOR TWO SEPARATE CREDITS FROM XXXX DESPITE EMAILS FROM XXXX DOCUMENTING THEIR CREDITS TO MY ACCOUNT. B OF A HAS FAILED TO INVESTIGATE A DUPLICATE CHARGE MADE BY MODERN THAI HOTEL DESPITE PROVIDING THEM WITH DOCUMENTS SUPPORTING MY POSITION. B OF A HAS REFUSED TO CREDIT MY ACCOUNT WITH AN ALREADY EARNED XXXX OF CASH REWARD POINTS UP UNTIL B OF A ABRUPTLY CLOSED MY ACCOUNT WITHOUT PROVIDING ME WITH ANY REASONS FOR THEIR ACTION AFTER BEING A LOYAL CUSTOMER FOR OVER 14 YEARS. IN FACT B OF A OWES ME MONEY AFTER CORRECTING THEIR RECORDS AND CREDIT MY ACCOUNT PROPERLY. B OF A MUST ISSUE AN APOLOGY AND CORRECT ALL THEIR ERRORS IN THEIR REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
The information being reported is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX INCORRECT PHONE NUMBERS : ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX INCORRECT EMPLOYERS XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was just notified the Synchrony Bank Care Credit has submitted inaccurate information to my credit report. It states that I have a 30+ day late payment for {$1100.00}. This information is not true or accurate. I have reached out directly to Synchrony Bank Care Credit and requested that they remove this information they have not deleted it. I am trying to purchase a new vehicle because mine was totaled last week, and I am unable to do so because of this false information. According to 15 U.S.C 1681 law there should not be any inaccurate damaging information on my report. It is deformation and damaging to me. 

Synchrony Bank account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: CT

Complaint narrative:
Regarding Key Bank. 

On XX/XX/2024, I submitted a dispute of charges to : XXXXkeybankXXXX. I was disputing recurring charges from XXXX in the amount of {$7.00}. I included screenshots of the conversation I had with the XXXX representative. Key bank initially provided provisional credits totaling {$80.00}, which included overdraft fees. On XX/XX/2024, I received an email advising that my account is overdrawn yet again. This is due to the reversal of the provisional credits and yet another unauthorized charge by XXXX I spoke with a Customer Service Rep at Key. I was told that because XXXX had previously refunded these charges, Key reversed the provisional credits. This is inaccurate information. I have had so many struggles and overdraft fees from this bank. There is now yet another unauthorized charge on my account from a different vendor for $ XXXX. That will result in yet another overdraft charge. Furthermore, I did not receive any notice - emailed or otherwise from the bank notifying me of their decision to reverse my provisional credits. Without knowing their decision, I had no way of knowing that I needed to fund this account. I am anticipating that by the time this complaint is received, I will be charged at least {$40.00} in overdraft fees. When I spoke to this representative I told her I wanted to close my account. She told me I needed to speak to the " Consumer '' department. She returned to the line and told me that they would not speak with me to close my account because my account is overdrawn. The person that refused to speak to me is " XXXX. '' The number to the Consumer department is : XXXX. I have scheduled a transfer to fund this account to cover the current overdraft charges of $ XXXX. The vendor ( XXXX ) that made unauthorized charges to my account- I can't request to have them blocked from recurring charges, because the bank will charge me a fee of {$35.00}. I bank with XXXX other firms and have never had this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX & XXXX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : CREDITORS NAME : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. CREDITORS NAME : XXXX  XXXX Account number:XXXX XXXX. CREDITORS NAME : XXXX : ( Original Creditor : XXXX XXXX ) Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On or about XX/XX/XXXX, the Bank charge the annual fee to my account in the amount {$95.00}. Later this month, I called the Bank to close the account and was offered an annual fee waiver. The Bank refunded the fee ( {$95.00} ) on XX/XX/XXXX. At no point it was disclosed to me that the Bank would treat the refund as income to me and that it would issue a XXXX form recognizing my " income ''. Refunds are never income because I was first charged first {$95.00} and then had it refunded. After I received the XXXX form from the Bank, I spent XXXX hours over the period of XXXX days to have it corrected. Each day, I got transferred at least XXXX  times to different agents. In the end, they refused to help asking me to escalate it. The final " no '' came on XX/XX/XXXX. As a result, I'm filing this complaint. The Bank failed to proper classify annual fee refunds resulting in misreporting my income. In the alternative, the Bank was supposed to notify me about the tax implications of this particular offer if their system is not set up to properly classify fee refunds.

Company response to consumer: Closed with explanation