vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
In XXXX of 2022 AMEX pulled my credit report two times without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My mom had a home equity loan with wells fargo, she passed away in XX/XX/2021. Because this is tied to both of my parents mortgage ( also with wells fargo ), he is still in debt to pay off said loan. However, they will not give him any information, wells fargo has change the monthly payment, but will not allow for him to ask questions. He is not on the home equity loan, but he is on the mortgage.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
About once a month, Experian, or someone claiming to be them, with access to my account number ( they put it in the email ) sends out an email with the following information : Sign in to confirm your car There is a car that matches the info in your Experian membership. Sign in to confirm it's yours and check out free auto benefits. 
Sign in Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 


The link then goes to a list of XXXX vehicles, usually the same ones, and asking for loan status on them. 

It looks like theyre trying to confirm information, but there is no option to actually say that you dont own this vehicle. And all available options route you to a marketing pitch for auto loans or refinancing. 

Theyre being deliberately misleading by claiming that this is not marketing, it is part of your consumer record ( I dont actually own a vehicle ), and getting you to click through to an auto loan sales pitch is shady as 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 2023-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act

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 2023-02-01 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: NY

Complaint narrative:
I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

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 2023-02-01 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am working extremely hard to establish my financial security. Several individual account disputes for incorrect reporting has gone unattended or updated.

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 2023-02-01 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: GA

Complaint narrative:
I am working extremely hard to establish my financial security. Several individual account disputes for incorrect reporting has gone unattended or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2022 I made an attempt to withdraw {$60.00} cash from a XXXXXXXX XXXX ATM machine. I accepted the XXXX fee and waited for about one minute. Nothing came out. I took my card out and tried again and then I was declined. 
I checked my XXXX card and it showed a - {$60.00} and a - {$2.00} fee. 
I called The number on the ATM machine ATM XXXX in XXXX I was advised to call the card issuer ( US Bank ReliaCard ). After 4 separate phone conversations the claim was filed. I called immediately after transaction. 
I called usbank ReliaCard to follow up on XX/XX/XXXX I was told I would receive a call back. That never happened. 
The claim was mishandled XXXX separate times each time I was told it would take up to 45 days. I spent many days and countless hours on the phone. Much of the time was on hold waiting for help. 
Finally on XX/XX/XXXX I was told I would get a provisional credit within 10 days I did not get provisional XXXX. On XX/XX/XXXX I started my calls every day in the morning and was never were answered. The hold lines would be over an hour and finally I would give up. Id try again the next day to no avail. 

Finally on XX/XX/XXXX. I reached a person she told me that the claim had been resolved and declined. She said that happened on XX/XX/XXXX XXXX received no such letter. 
She said the XXXX showed nothing went wrong and advise me to call XXXX which I did and they advised me to go back to ReliaCard US Bank. I was also told they would not reopen my claim, unless there was a new information. 

The whole thing is just a waste of time, but its a matter of principal, I did not get my money from this machine and Im very irate. I got the run around. 
All the time that I spent on this claim for XXXX and they cant seem to find an error. 
Please help me. 
Today, I changed my direct deposit to go into my regular banking account. 
If this incident happed on my regular banking account, I would not have this problem. 
ReliaCard is very unreliable and hard to reach this very messy business.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX CASE NUMBER : XXXX is still on my consumers credit profile it was confirmed fraud and identity theft XXXX of the main reasons for my fraud alert thats active for XXXX years unless I say otherwise. EXPERIAN you are still reporting inaccurate information on my consumers credit profile after XXXX  days to update. Remove inquiry immediately. XXXX XXXX CASE : 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 2023-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
NAVIENT continues to call and threaten to show negatively on my credit report when their is a student loan forbearance that the President signed until at least XX/XX/2023. They continuously call and harass me for payment. Their number is XXXX i have called and advised of this and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

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 2023-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have a CD which was maturing on XX/XX/XXXX. The grace period for this XXXX was ten calendar days after maturity or XX/XX/XXXX. On XX/XX/XXXX, I called US Bank at XXXX which is their XXXX XXXX XXXX and spoke to XXXX in that group. I explained to XXXX that I received a flyer in the mail from US Bank which advertised a special CD rate of 4.10 % APY for 17 months. XXXX told me that he would take care of moving my CD into this new special rate CD at 4.10 % APY for 17 months. He said that I would receive confirmation of this in the mail. When I did not receive anything in the mail, I checked online only to find out that my CD was never transferred out of its original rate of .05 % APY for 24 months. I have since called US Bank on three separate occasions, and have gotten assurances from them that this would be taken care of and I would get a phone call back from them. It was never taken care of, and no one ever called me back. On XX/XX/XXXX, I spoke to XXXX, who said someone would get back to me. On XX/XX/XXXX, I spoke to XXXX, who transferred me to a manager named XXXX. I was told that the Customer Care Unit was working on this and would resolve it and get back to me in 2-3 days. On XX/XX/XXXX I spoke to XXXX who told me that XXXX was working on this with XXXX and the number for this file/issue was XXXX. XXXX transferred me to XXXX and I got her voicemail and left a message. As of today, I have not received any satisfactory resolution, nor has anyone from US Bank ever called me back. This is unacceptable and extremely poor customer service. I am also losing a considerable amount of money due to the bank 's error, as my CD is still in a 24 month .05 % term and rate instead of the 17 month 4.10 % term and rate which I was promised by the 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 monetary relief
Consumer complaint received 2023-02-01 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I received a settlement check from my attorney on XX/XX/23, due to a minor accident. I went to the Citizens Bank branch to deposit the funds into my account, and I was told by the Banker the check looked fake and he couldn't deposit it, and if my account overdraft it would be sent to collections. Knowing that my check was not fake, I decided to go home and mobile deposit the check instead. Today, when I opened the account mobile app, it wouldn't allow me to log in. That's when I went to my computer and decided to log in from there and I was able to see that the check is still on hold, no funds were available to use. I asked the representative the reason behind the hold, she advised that the check seem fake. I advised her that it is not fake it is a settlement check from an Attorney 's trust account. I was told I will have to wait for the bank to clear it on XX/XX/XXXX. I have bills to pay and not being able to use money, and also being told the check is fake is hurtful. Those statements come from a pattern of discrimination against people of XXXX and bank institutions. Citizens bank has a history of XXXX profiling. I would not stand to be another victim. XXXX XXXX  do not get treated the same as XXXX when trying to send a check into the account. To be rejected from depositing a check that was provided to me by an attorney at the branch is unfair and discriminatory. I will also like to file legal complaints regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
overdraft fees added with Wells fargo bank account closed my account without allowing charges to be disputed

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
In according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, 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 according with the fair credit reporting act the list of accounts below has violated my Federal protection consumers rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : department of education Account number : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : CXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also State a consumer report 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 reports containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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