vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After several failed attempts to have the remaining incorrect address removed from my credit report with Experian, made 1 final attempt yesterday, XX/XX/XXXX, via Experian 's online dispute center. In less than 6 hours email notification was received informing dispute results were ready. NOTHING was done & my report remains exactly the same, still listing the duplicate/incorrect address despite already having my 1 and only correct address listed. 

Over the last 4 years the issues encountered with Experian have been ongoing & continue to do so today. Some inquiries/requests submitted even remain unanswered to date. In fact, I was forced to give up thanks to making NO progress at no fault of my own.

The tremendous efforts made to correct and repair my credit & credit file, require significant dedication & time away from my employment, yet remain unrecognized and/or rewarded with my credit file & status showing NO improvement. Meanwhile the credit bureaus & reporting agencies continue to do, literally, whatever it is that they please facing no consequence ( s ) nor held accountable. Despite my best efforts I continue to suffer.

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 2023-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
We entered into an agreed judgement with XXXX XXXX in XX/XX/. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that XXXX XXXX never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.

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 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I opened a merchant service with Bank of America under XXXX business. I called and asked was it possible to switch the merchant service to another business account and discontinue the one. The representative XXXX told me it was possible, but I had to purchase another machine and they would send a label for me to return the machine and I would be refunded. 90 day had passed and I continued to inquire about the mailing label being sent as we had already purchased another machine. There was no need for another machine. The representative said it was sent out. I told him I would file a compaint with the XXXX and the label was XXXX XXXX out the next day. I mailed out the other machine. I told him at this point I would like to return both machines as we purchased the other machine on a credit card and it is growing interest from us not getting a refund. The representative told me that it was past the time to return, but the time passed had to do with Bank of America not sending the mailing label in a timely manner. I had followed up every week and finally we reached a time where they said the other machine could be returned. I then began inquiring about the refund. No response for weeks and finally was told that the refund was issued on XX/XX/2023. When I checked my account they refunded it to an account we did not use to pay for the machine within XXXX of XXXX and then used the refund that was in the account without our consent to cover a bill that was due to the bank. I still have the machine. I have not used it or opened the box because I feel like they really mishandled my account. Have tried to resolve with may emails and calling customer service but I felt misled to purchase another machine and the refund was not issued in the same payment form it was given.

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 2023-07-11 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: MD

Complaint narrative:
in my credit report appear several companies that never I was soliciting o take a credit from there, somebody using my information to get those credits. all these charges is damaging 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 I called all this companies but they said don't have any account or purchase with my name or itin number, this charges only appear in experian credit report, but they said can't access to those 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 2023-07-11 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple XXXX, including a particularly significant fraudulent charge on my Apple Credit Card issued by Goldman Sachs. 

The account details for the fraudulent charges are as follows : Account Name : APPLE CARD/GS BANK USA Account XXXX : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus XXXX, XXXX, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent Apple card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent Apple card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, 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 explanation
Consumer complaint received 2023-07-11 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
An attempt was made to open a line of credit through Citizens Pay by way of a XXXX XXXX credit car I believe. I did not make this request nor did I apply for any credit through XXXX XXXX or any other credit companies for several months. I received a hard inquiry on XX/XX/XXXXXXXX XXXX XXXX that I believe to be fraudulent. I reached out to company to dispute the inquiry however my fear is my information is out there and I may need to freeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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:
Per the Fair Credit Reporting Act, XXXX has violated my rights. 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 also states a consumer reporting agency can not furnish an account without written instructions on out. 

Account info Account number XXXX Date opened XX/XX/2021 Account type Open account

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 2023-07-11 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: SC

Complaint narrative:
I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. Experian and XXXX XXXX XXXX  XXXX XXXX and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report 100 accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers. 

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX days late For the month of XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers. 

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX days late For the month of XX/XX/XXXXXXXX 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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I used ATM machine to deposit {$4300.00}. 

The ATM machine said there was an error and the cash could not be counted and could not be returned due to an error. 

I called the banking center. They said it would take two business days to fix the problem. 

Today, which is 6 days later I was told they did not have an end date in sight. 

They would not give me a provisional 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 monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a Chase Sapphire Reserve card at the end of XXXX. I got a letter in the mail dated XX/XX/2023, stating that " Please call us to confirm your application ''. I read the letter on XX/XX/XXXX and called them on the number provided : " XXXX ''. There was an automated message saying " Is this regarding a credit card application or credit line increase? '' I pressed 1. Then it asked for my social security number, which I provided. The automated message said " your application is being reviewed. you will get a response in 7-10 days. this is the most recent update on your application. to repeat the message, press 1. '' Nowhere is this process did any representative talk to me. 

I have called this number at least 20 times for an update on my application. Today, XX/XX/XXXX, I asked to speak to a representative, and they told me that my credit application has expired because I never called, and I should apply again. I told them that they have already pulled a hard credit inquiry, and I am not going to apply again. They have to fix this, whether it is a problem with their application, their call center, or anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 4TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed $ {$2300.00} as of XX/XX/XXXX XXXX took phone for trade in and never credited my account. They never contacted me regarding this outstanding balance. I went to open a new account and was denied. 
Credence Collection Agency currently is the collection agency that never should have had any collection at all. This company is reporting on my credit report that I owe {$2300.00} for a phone that was returned to XXXX XXXX XXXX in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: NY

Complaint narrative:
I received my credit reports and noticed that I have 4 late payments on an account that o was never late for. In fact one account is over XXXX XXXX XXXX with a XXXX XXXX because it was paid in full but it is still being reported negatively on my credit report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxim accuracy. I have never been late on payments for this account ( XXXX  XXXX ) account number XXXX Please investigate and provide proof with statements showing these payments were late. If proof cant be provided I please ask respectfully these payments be update to an on time payment status as they should be reported as I was never late. Thank you. 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 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The amount of monthly payment Bank of the West applies to the interest payment varies and always has since this simple interest, installment loan began. It makes zero sense and isn't how these loans work. 

Simple interest installment loans have an amortization schedule over the life of the loan showing where from day 1 a portion of the monthly payment will go to principal and another portion to interest. Over time, more of the monthly payment begins to go toward the principal as the interest amount owed lowers becasue it is based on the total principal value.

This is not what has been happening with my installment loan since day one and a simple review of its payment history will reflect exactly what I am saying.

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 2023-07-11 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: PA

Complaint narrative:
I sent a dispute to experian along with supporting documents to have accounts blocked as fraud. XXXX blocked the accounts and sent block notification referrals to equifax and XXXX XXXX and neither company blocked the wccounts as required under federal law. I spoke with equifaxs office of consumer affairs and agent agreed that the accounts should of been deleted but ge dant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I believe my vehicle loan had discrepancies in various fees and interest rate charged. I believe I fall under the settlement and am owed money back.

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