vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I reported a charge of {$430.00} on XX/XX/23 they refunded my money of the {$1600.00} after they found out that I reported them to you. But they still havent refunded the other fraud on my account which is past 10 days. I had a Wells Fargo includ you call me back and oddly enough gives me her contact number. And oddly enough isnt XXXX which is a North Carolina number XXXX sorry why would Wells Fargo call me from North Carolina when Ive been dealing with this in New Jersey?

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: OH

Complaint narrative:
Between XX/XX/XXXX and XXXX XXXX took XXXX out of my account this was unauthorized they autorenewd already cancelled subscriptions and refused to give me my money back so I contacted my bank Money Lion to dispute the charges and today XX/XX/XXXX is the XXXX day since I filed my disputes and under regulation E they have 10 days to resolve dispute or issue a provisional credit while they continue to investigate and they havent issued updated and keeps saying I may not be eligible for the credit when I sent the written confirmation in on the same day I filed the dispute and the unauthorized transaction meet the requirements under regulation E and they refuse to connect me with the dispute department or giving me a update furthermore more the deposits that were posted into my account by mistake were XXXX payments made out to me for my daughters and these checks are to be used for their expenses only they have no obligation with anyone to owe any money This is my first and original dispute MoneyLion merged this dispute with my direct dispute with them over my credit reserve money from the credit builder loan being took for an instacash payment. They cancelled my dispute with XXXX and this triggered the provisional credit I just received on the XXXX to be reversed doing so the money promised to me was once again taken for a dispute they did not correctly investigate this company is very incompetent they dont throughly review anything and I have lot my car behind this and had my phone disconnected I will be filing a complaint with the Ohio state attorney general as well this is exhausting and you can never talk to anyone who can help they will lie and say these departments work offline I repeat offline but they are somehow able to receive email they have lied to me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I want informed that I was able to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My Identity was stole and i am a victim. These reports has effect my consumer report and as a victim i deserve a fair and accurate credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a purchase in XX/XX/XXXX for a promotional 6th month No interest purchase, which ended in XX/XX/XXXX. I did not completed total payment in XX/XX/XXXX but in XX/XX/XXXX I submitted a payment of {$1000.00} and in XX/XX/XXXX payment of {$300.00} and I call CareCredit customer service to verify my completed payment for my expired promotional purchase in XX/XX/XXXX. In my XX/XX/XXXX bill it does not show the expired promotional balance and in my total balance it shows I still owe that balance purchase from XX/XX/XXXX. On XX/XX/XXXX I called CareCredit Customer service and they said I still owed that balanced but it does not show in my XXXX XXXX  monthly bill. CareCredit is hidden that paid off purchase from my monthly XX/XX/XXXX bill. 
It is fraud to hide bills that I owe, and I paid off the purchase from my debit card and I have my bank account receipts to prove it.

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 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has been calling 4 times per day, 7 days per week since before XX/XX/XXXX which is the furthest date back that my phone has recorded the activity. It has actually been much longer than that but the app will only record a certain number of incidents. The number they are using to call is ( 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 2023-07-21 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: EQUIFAX, INC.
State: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 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: NY

Complaint narrative:
XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( EXPERIAN rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX XXXXXXXX XXXX # XXXX. XXXX XXXX : XXXX. XXXX XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : XXXX, EXPERRIAN AND XXXX XXXX My health is not good these three company stop my live got me really depressed.

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 2023-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 92 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2023-07-21 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: FL

Complaint narrative:
Transunion is reporting inaccurate information on my credit report. 

According to the Fair Credit Report Act, I the consumer have a right to 100 % accuracy of accounts reporting. 

Account in question : Flex on Behalf of XXXX XXXX XXXX  Violation 1 : Inaccurate payment history XXXX XXXX XXXX  there was no amount past due {$0.00} XXXX XXXX : highest balance amount was {$1600.00}. 
XX/XX/2023 : highest balance amount is {$810.00} The payment history is grossly incorrect and the outstanding amount is too. 

Transunion did not verify the accuracy of the information prior to posting this violation to my credit report. 

I have a right to fair and accurate credit reporting under Federal law. 

I am seeking {$1000.00} per violation and to have the account removed from my credit report.

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 2023-07-21 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
On XXXX XXXX XXXX I got a call from XXXX XXXX saying he got my credit card debt information from a government agency that was picking people that qualified for their program. He was very insistant that this was a real program. I listened and I should not have. I did not make any commitments to XXXX. On XX/XX/2023 I got a call from a man claiming to be a lawyer. He gave me an attorney ID of XXXX. I recognized his voice from previous phone calls about debt relief. Then also, on XX/XX/2023 I got a call from a XXXX XXXX claiming to be calling me from my banks fraud dept. She said that XXXX got a letter from Freedom Debt Relief XXXX saying that I had signed up for a debt relief program and that XXXX could not receive anymore of my credit card payments. Then I asked XXXX for the phone number on the supposed letter XXXX got. I called the number and it was the same people I spoke with the day before. I was convinced they were real but did not commit. I spoke to a XXXX at their verification department and when she answered she gave the name XXXX XXXX XXXX. She forwarded me to XXXX XXXX at that same company and he told me I had to authorize {$9600.00} to be charged on my credit card to enter the program. I had my husband get on speaker phone. He told him absolutely not and XXXX said he understood. XXXX said they would destroy all my credit card information that they had. I never signed ANYTHING! Then, last week they called again, this time saying they were from the XXXX XXXX XXXXXXXX and why had I not finished signing up for the program? They were very pushy and verbally abusive when I questioned him. I hug up. Today, I got a call from a XXXX XXXX XXXX XXXXXXXX saying he was from my credit union and that they had received a 609 letter telling the bank I had signed up with a debt relief program. I asked him for the name and phone number on the letter. XXXX XXXX XXXX extension XXXX. It was the same number that called before pretending to be XXXX bank. Both times I called the bank and credit union and nobody made a call to me and they never received a letter. I am a XXXX  and these people need to be stopped! I have blocked their number but impersonating a bank and credit union employees has to be a crime!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I was a victim of Hurricane Ian on XX/XX/XXXX. Pretty much everything I owned was destroyed & the whole city of XXXX XXXX, Fl was affected in some way. USPS was no longer delivering mail to my home community. On XXXX I purchased some supplies at Staples totaling {$73.00} using my Staples card, ( which is managed by Citibank ). This purchase was out of my mind until I received a ( XX/XX/XXXX dated ) letter from Citi on approximately XX/XX/XXXX that was forwarded to me by my former workplace to my new home in XXXX, XXXX. Letter stated I was past due, ( 1 ) owing them the {$73.00} ( stmt closing date of XX/XX/XXXX ) ( 2 ) late fee of {$29.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ( 3 ) additional late fee of {$40.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ) Total amount from 3 statements was now {$140.00}. I never received any of these XXXX statements due to this ongoing disaster recovery period. Upon calling Citi & explaining my situation they did delete the {$42.00}, but said they could not forgive the other late fee amount. At that phone call I submitted payment for {$100.00} ( per XXXX. # XXXX ). I requested they remove this late payment from my credit file due to my unusual circumstances ( have had this credit card since XXXX with a perfect pay history ), but they said it had already been reported to the credit agencies. I submitted a dispute to XXXX, XXXX XXXX XXXX that an amount of {$62.00} past due is still appearing on my credit reports. When submitting the dispute there is a choice of reasons why you were delinquent & mine was " Natural or Declared Disaster ''. ( federally declared disaster # XXXX ) Despite this, Citi has felt they could not retract this negative report they submitted to the credit agencies. I realize my dollar amount is small, but my perfect credit score ( was in the XXXX 's ) has now been blemished. I thank you for helping me get this resolved.

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 2023-07-21 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. This account and transactions I am disputing was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- XXXX XXXX XXXX  OPEN DATE XX/XX/2019 ( {$470.00} )

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 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank keptv playing games and cheated, the check did not evenly reached my post local office at zip XXXX, enclosed please find the email of post office. 
THey ask me to sign declaration of lose, that is not fact, I did sign one with the fact -- I did not receive the check, they kept asking me to sign and wasted my time. 

They play game and stolen interest from my money. 

Look at other banks, either no need declaration loss or do a good declaration loss ( true form ) example XXXX XXXX XXXX  US bank asked me to sign something that I did not do In fact I didnot receive the check at all. 
US post office confirmed it Also some agents on US bank XXXX calling told they did not mail the check out at all Some agent said they have cancelled the checked If you have cancelled the check or not sent, why need me sign delaration of loss.

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 2023-07-21 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief