vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America charged me {$60.00} in fees & admitted to doing it purposely - They stated that these " cash advance fees '' are legitimate when they failed to close my two checking accounts & failed to provide a response within 90 days - They have been trying to run the clock out on the dispute period as there is no way to dispute these " fees '' on their website. 

They have openly admitted & refunded one charge out of the five. 

They also charged {$0.00} interest I had {$500.00} in my checking, which should have been issued to me when I attempted to close the account, instead the bank thought it would be necessary to lie & state that I " have overdrawn accounts '' This started XX/XX/2022 & I am extremely upset!

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Today XXXX I tried to login to my TU account to find it was blocked ... .they stated it was because it was cancelled. FIgured out how to finally login and put my credit card info in and my apple card was charged but they refuse to give me the service. When you talk to someone its someone from another country with a thick accent and the phone cuts in and out - when ask to speak with someone in the us they can not - when ask for a supervisor they can not- they can have them call back in about 72 hours. The FTC states that if you ask to speak with someone you can understand they are required to do so... .they are refusing. Taking money and not providing services.

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 2023-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I spoke with a representative on Friday XX/XX/XXXX and let them know I had been unemployed over a month and that I was beginning a new job that following Monday XX/XX/XXXX. They noted it in their system and said to make the minimum payment once I received income from my new job and that I may still receive a call or two per day because of my account status. Since Friday XX/XX/XXXX, Ive been receiving calls every hour as if I never spoke to anyone. I havent been employed a full week and the calls are becoming overwhelming especially while Im in training.

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 2023-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I did not apply for these accounts, I did not have access to the lines of credit. These are not my accounts. 


Appeared on credit report, sent letters to dispute accounts XXXX XXXXXXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 


XXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. 

XXXX XXXX XXXX XXXXXXXX Dates letters sent : XXXX, XXXX XXXX Credit Amount : {$250.00} Sent letters stating this account is not mine, does not belong to me. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX XXXXXXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023, I lost my credit card issued by Citi. On the same day, my credit card was fraudulently used ( physically, not online ) at a nearby city by an unknown individual. The following charges totaling {$470.00} were posted to my credit card account : 4 separate charges of {$97.00}, {$96.00}, {$96.00}, and {$96.00} at XXXX located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Additionally, there were 2 separate charges of {$50.00} and {$39.00} at Shells located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. All of these charges occurred before I had realized that I had lost my credit card the same day. When this unknown individual attempted to make additional charges, I was informed of potential fraudulent activities by Citi via text. I responded immediately and filed fraud disputes for these charges. The credit card was also cancelled immediately. 

A few weeks later, Citi notified that they have completed their " investigation '' and have decided NOT to credit for these fraudulent charges. I then followed up with Citi, and have received no help with this matter to date. Due to these fraudulent disputes being denied by Citi, I now have an additional {$470.00} due on my credit card, which I am not responsible for. 

I have also filed a police report, which I have attached.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have tried to contact by mail/phone to CREDIT agents several times to delete inaccurate information on my consumer report. XXXX and Experian are reporting income on my consumer report. I have sent out several letters of reinvestigation m. charge off need to be deleted immediately. I have call both CREDIT agents and send letters. Account XXXX XXXX XXXX ( XXXX ) need to be delete it according to IRS this is gross or ordinary income. I did not receive a 1099c from creditor. Experian and XXXX reported inaccurate information on my consumer report. b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to FCRA section 623 is a violation that both credit agencies have been reported on my consumer report every month as a charger off. This Need to be deleted.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Identity theft cause me not to be able to open a bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2, states I have the right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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. If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: TN

Complaint narrative:
XXXX Dates letters sent XXXX XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX  XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXX XXXX XXXX XXXXXX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: GA

Complaint narrative:
Sent out serval supporting documents for the credit bureau and the third parties to do and proper investigation and they refuses to update me on documents of their investigation.

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 2023-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My insurance company sent proof of insurance to Wells Fargo in XXXX, Wells Fargo claimed they never received it and sent threatening letters. I called them, spent hours on the XXXX XXXX and with an agent that was useless. I resent all insurance evidence again through upload, fax and email. The process repeated in XXXX, XXXX and XXXX. Each time Wells Fargo emailed me that they received evidence and all is good, then the threats repeated. They just sent a bill charging me {$1800.00} for new insurance. I cant get through to a human, just robots.

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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to express my concern regarding my credit score on Equifax. It has not been updated since last year, and most of the information on my credit report is not current. This situation is affecting my ability to grow my credit score, and it may prevent me from applying for a mortgage loan with better rates in the future. 

I have used the dispute system online, but I am not receiving an accurate answer. I have only received a generic response, which does not address my concerns or provide a solution to the problem. I am worried that this issue may persist, and it may cause long-term harm to my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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 — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX, XXXX was the date our loan was due to Truist. It was the date the merger took place. We had automatic payment set up from the start of the loan in XXXX with Suntrust XXXX They took two payments. It took 8 weeks to resolve that. Within that time, my credit score dropped from XXXX to XXXX. They also changed our fixed rate to adjustable after the merger. They reported our loan going up one month instead of down when paying it. Again until XXXX, every months there were issues with the automatic payment being incorrectly applied to interest and principal. We had to pay extra one month due to them applying it incorrectly and refusing to correct it. On XXXX XXXX we paid a fee of {$15.00} to re-do the loan. The parent loan with the line of credit was closed and a child loan ( their term ) opened that was now a fixed rate loan that we could not longer draw off of. And we were NOT told that this now made our loan five years longer. A week later, they reported to all three credit bureaus our loan was now {$100000.00}. That stayed on the reports until XX/XX/XXXX with no one resolving the mistakes reported and changing those number that were incorrect with all three bureaus. The wrong payments on certain months show on the credit reports, this needs to be correct. Numbers didnt match anything that was actually paid.We have repeatedly called to get a supervisor. No one has called. On XX/XX/XXXX, I got notice from all three credit bureaus our credit score dropped XXXX pts. It seems that Truist put out there wed only paid {$7.00} toward two loans with them as they also handle our XXXX payment. We pay a total of {$910.00} for both loans. Our home equity is {$440.00} fixed. Our personal loan is {$470.00}. 

We need this errors with all three credit bureaus corrected all the way back until the XXXX, XXXX. Each individual month needs to be done. We are unable to leave this bank to get a new loan as no one will now give us credit. We have are unable to apply for even a store credit card. We have been denied at every turn to have the opportunity to leave this bank. Our credit history has been solid since 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 2023-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Identity theft cause me not to be able to open a bank accounts

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 2023-03-05 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: GA

Complaint narrative:
Sent out serval supporting documents for the credit bureau and the third parties to do and proper investigation and they refuses to update me on documents of their investigation.

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 2023-03-05 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: LEXISNEXIS
State: GA

Complaint narrative:
Sent out serval supporting documents for the credit bureau and the third parties to do and proper investigation and they refuses to update me on documents of their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following letter was sent over 30 days ago demanding removal of inaccurate and invalidated information on my consumer report. 


Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ( Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation