vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I signed a promissory note that I would make a payment of {$370.00} on XX/XX/2024 for my Credit Card ( also with Wells Fargo ). I made the payment earlier on XX/XX/2024. However, on XX/XX/2024, Wells Fargo still took the money from my Wells Fargo XXXX account. I called and told them that I had already paid and to stop all automatic payments because they were no longer necessary and to reverse that payment of {$370.00}. A few days later, it was reversed. The problem should have been resolved right there, but it wasn't. The following week, XXXX XXXX, I was charged again for {$370.00} even after I told them I didn't have a payment due, that I cancelled all automatic payments, and asked why they are still charging me. These conversations weren't all nice either, I had representatives hang up on me, argue with me as if I'm lying, I kept getting bounced around to different departments, a complete and total nightmare. Again, I told them that I need that money reversed and that I already cancelled all automatic payments and they said that my money may be reversed in a couple days. It is now almost a week later, and that money is just completely gone and has not been reversed. I then spoke to another representative, and they told me that I MAY or MAY NOT be getting my money back due to how everything is set up. What does that even mean? They took {$370.00} from me and now I MAY NOT be able to get it back? This has been going on for two weeks now! I WANT MY MONEY!

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 2024-09-17 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: TX

Complaint narrative:
Im certain that I always pay on time, yet I see late payments reported for some months. Under USC 1666b, any billing error must be corrected, showing the payment as agreed.

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 2024-09-17 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: GA

Complaint narrative:
I dispute the following hard 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  Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

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 2024-09-17 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: OH

Complaint narrative:
These late payments do not reflect my usual payment pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-17 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-17 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: AL

Complaint narrative:
I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.

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 2024-09-17 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: NJ

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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:
I have inquiries on my credit report that I did not apply for at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX Statute 501.976Actionable, unfair, or deceptive acts or practices.It is an unfair or deceptive act or practice, actionable under the XXXX Deceptive and Unfair Trade Practices Act, for a dealer to : ( 3 ) Represent the previous usage or status of a vehicle to be something that it was not, or make usage or status representations unless the dealer has correct information regarding the history of the vehicle to support the representations. ( 9 ) Obtain signatures from a customer on contracts that are not fully completed at the time the customer signs or which do not reflect accurately the negotiations and agreement between the customer and the dealer. Add to the cash price of a vehicle as defined in s. 520.02 ( 2 ) any fee or charge other than those provided in that section and in rule 69V-50.001, XXXX Administrative Code. All fees or charges permitted to be added to the cash price by rule 69V-50.001, XXXX Administrative Code, must be fully disclosed to customers in all binding contracts concerning the vehicles selling price. These particular sections explain the deceptive acts of practices from both the dealership and Flagship Credit whom cant produce every original document Ive requested for the alleged vehicle, regarding the price. How does XXXX go to XXXX And most importantly ( 10 ) Require or accept a deposit from a prospective customer prior to entering into a binding contract for the purchase and sale of a vehicle unless the customer is given a written receipt that states how long the dealer will hold the vehicle from other sale and the amount of the deposit, and clearly and conspicuously states whether and upon what conditions the deposit is refundable or nonrefundable! Now with this particular section ( 10 ) and one of many I can post that violates my consumer rights, I was provided with a copy of a receipt from the dealership from which the car was purchased and heres the catch, it has NO SIGNATURE! IT says over the phone. What in the XXXX is over the phone supposed to mean on a signature line?! How do you even validate/ verify such thing?! Also noted that if I were at the time required to put down a {$500.00}, where are yall getting a {$3500.00} deposit as noted on the contract from? The math is not mathing. 

Violation after violation. See ya in court, because clearly this matter is out of my hands.

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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a regular {$97.00} charge on my account from my chiropractor. I pay this off every month in full. I was offered 0 % interest for XXXX months so I borrowed approximately {$10000.00}. I was charged the 5 % transaction fee and paid it in full the very first month. I have been paying my monthly payment plus my payment in full for all purchases. However, Citizens is now charging me interest on my purchases the moment they are made for every day until my statement comes, even though I pay the purchases off every month, because I have a 0 % credit balance. Therefore I can no longer use my credit card for purchases without getting charged interest because I chose to accept a 0 % offer. My understanding is this is against banking laws and regulations. I literally have no time to make a payment from the moment the purchase is made on my card without being force to pay interest. This credit card has been rendered useless as a credit card at this point. This has to be illegal. Citizens Bank charges me instantaneously interest on each purchase before I even get a statement knowing the charge on my account was made. This practice was never done prior to this year with any other credit card with 0 % interest balance transfer " loans ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I became a victim of a scam through XXXX XXXX. Scammer/hacker logged in to my XXXX XXXX account and used my saved payment details to send money to themselves. 2 unauthorized charges were made amounting to {$800.00} and {$910.00}. I immediately called my bank, Truist, to cancel my card which they quickly did. I filed a claim with Truist to dispute the charges since these were not authorized by me but they denied it saying I was a victim of scam. Please see attached file Error Resolution Form that I submitted to Truist for the complete details on how these unauthorized charges occurred. I also contacted the merchant ( XXXX XXXX ) and they have confirmed that my account was compromised and someone used my payment details. I was clearly a victim of scam and these charges were clearly unauthorized and fraudulent so I do not understand why the dispute was denied. I have also attached my communication to the fraud team of the merchant for your reference. In addition, I attached the receipts which are authorized for comparison to those 2 unauthorized in dispute. Please note that the hacker/scammer changed the mobile money number of one my saved recipients in my account so they could receive the money. Please let me know if you need further information and supporting documentation.

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 2024-09-17 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: DC

Complaint narrative:
My complaint is against the Department of Ed. 

XXXX is my student loan administrator. I took out federal student loans to help pay for graduate school in XXXX. I have been working towards public student loan forgiveness ( PSLF ) for almost ten years. 

XXXX put my loans in forbearance while they switched to a new online portal in XX/XX/year>. Furthermore, I received correspondence from the Department of Education that my progress towards loan forgiveness via XXXX would not be affected by XXXX switching to a new online portal. However, it appears that the months of XXXX - XX/XX/year> no are no longer qualifying periods that count towards XXXX. Consequently, it will take an additional XXXX months to qualify for XXXX. 

Furthermore, I can't submit a complaint to the Department of Education because their complaint submission portal on their website has not been working since I tried to submit this same complaint in XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TN

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-09-17 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: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''

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 2024-09-17 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 2024-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 explanation