vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My husband has an AMEX platinum card and when we got married, we applied so I could have the credit card under his account. During this time, american express kept emailing me saying that I was missing information to activate the card despite the fact that I was logging in and adding all of the necessary information. They had sent out a card and I had it in my possession. In that time my husband had paid off his remaining balance so we could start fresh and keep track of our charges together. I noticed when I signed onto my app that there was still a remaining balance. I come to learn that I had my own separate account that was opened all the way back in XXXX. I had never had a card up until XXXX and the charges that were present on the account was the annual fee XXXX years that I had never paid because I didn't even know the account existed. I have an excellent credit score and for the credit cards that I have THAT I KNOW I HAVE, I pay on time every single month in full. Why would I have a credit card open and not use any of the perks or spend the required amount to get the bonus points? It makes absolutely no sense and so I filed the card as fraudulent around XX/XX/XXXX. The case got denied and so I escalated the case and it was re-opened and denied yet again in XX/XX/XXXX. Now I have {$1500.00} of owed money that I refuse to pay and it is affecting my credit score. I really hope you can help me. The card is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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:
For the last 8 months I have had constant issues with Experian merging my credit file with someone else. I spend about 2 hours a day on the phone disputing items. Yesterday XX/XX/2023 I called Experian to dispute inquires on my credit report that were fraudulent and to ask them about my credit score. So an hr after the dispute request I received and email stating my dispute results were ready. When I logged into my Experian Credit Report Experian added {$89000.00} of fraudulent debt to my report. 20 different names, 34 new address which were in various states throughout the United States and 30 new inquiries. Experian destroyed my credit. I now no longer qualify to purchase a home. I have suffered XXXX  XXXX and XXXX because of these constant issues. Now Im being told that it can take 30 days for an investigation. I called this morning XX/XX/2023 to make sure all items were being disputed correctly and was transferred to the specialized department. A man who kept talking over me stated that I needed to send in my social security card, drivers license and proof of address. I explained to him that I did. He didnt want to listen. I told him if he checked his system he would see I uploaded my documents weeks ago and sent documents via certified mail. I was placed on hold then I was told that their system has a conflict in social security numbers and names and that at this point the social security administration would have to provide something showing my social security number was issued to me along with the same documents my ID, social security card and proof of address. So now Im being told I cant dispute anything off my credit and no one can help me. I am mentally tired I spend a minimum of 1-2 hrs almost everyday trying to correct my credit with Experian.

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 2023-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian deleted my credit score on or around XX/XX/23. This is about when my legal name change hit several of my trade lines. 

When I called them on XX/XX/23, Experian 's customer support confirmed that my credit score got split into 2 accounts, one of which has zero trade lines and no credit score. I have no access to the other account that presumably has my old trade lines. 

Experian has confirmed they have evidence of my legal name change. My open tradelines all have evidence of my legal name change and are up to date. 

As of XX/XX/23, Experian has not fixed the issue. They closed my dispute, but their documentation clearly shows I still have no XXXX XXXX. My Experian.com account continues to have the wrong name and no credit score. 

My XXXX XXXX credit report is correct and current with my score, tradelines, and name change. 

My XXXX credit report is mostly correct and current with my score and name change ; I am working with them to correct 2 trade lines and a minor misspelling. 

I have spoke to other people who have legally changed just their first names and they have experienced similar problems with Experian completely deleting their score. This is an ongoing problem with Experian and should be investigated on a class action scale, not just my 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 2023-08-16 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: AZ

Complaint narrative:
I am filing this grievance against Equifax as I have exhausted all options with trying to fix my credit profile I have with them. I reached out to Equifax on XX/XX/XXXX to find out why my credit items were not reporting with them. I was advised I had to mail in my IDs so that they can verify my information. I reached out again on XX/XX/XXXX as Id received no communication from Equifax. The representative I spoke with advised she has no receipt of the IDs mailed in and escaled the issue with case # XXXX. Of course this was very upsetting as the information mailed to them is highly sensitive information. Over that weekend I received communication via USPS from Equifax with an incorrect address along with a letter stating I have no credit. I have five open lines of credit reporting to XXXX and XXXX with no issues going back to XXXX. Attached to this complaint you will find the communication. My SS # should not be attached to anyone else and needs to be resolved post haste so that MY profile with XXXX mirrors what XXXX & XXXX are capable of doing. Timing is of the essence as I am working on a mortgage loan. This is my second time submitting this complaint to CFPB due to it being lost in your system and being advised to resubmit it after I had waiting 15 days after the first complaint was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: ID

Complaint narrative:
I recently tried to get money at an atm from my government prepaid card and was not able to make a withdrawal. I called the number on the back of the card for help 3 times in XX/XX/2023 and they said the account was closed and to search help from the agency who provided the money. They provided limit info on why the closed my account. The prepaid card is not expired. The total on the card is {$4200.00}. I went two times by appointment to the state agency and had them say the bank is in charge of the funds and not the state agency. They did have me verify my identify for the bank thinking this would solve the problem. It did not. I am having trouble getting help from the bank and the state agency. No one knows what to do with my issue.

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 2023-08-16 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: T.S. Holdings
State: AZ

Complaint narrative:
This debt belongs to ex spouse, due to court order in XXXX. I have let I.Q data know this information back in XXXX they refused to accept the information that was stated to them they are rude and disrespectful. I even tried to pay for some of the debt in XXXX, just so I can get an apartment, they refused to accept payment stating that I need to pay all of the debt. I have sent in this information from my divorce decree and still reporting this on my credit report. 

Also name is incorrect on this report, and date that it was reported is incorrect according to my credit report. 

In the first week of XX/XX/XXXX, someone went to an apartment that i was in and was looking for me, they went to the front office to ask for my information from the front office lady, telling them that they were inquiring about some land that I own ( I don't own any land ) she told them that she wasn't giving them any information, she described to me what he looked like. A few days later when I was taking my kids to school I seen the man in a dark blue vehicle outside of my gate. I was pulling out and he pulled in and stared at me. I knew it was the same person from the description that was given to me from the front desk lady. I don't appreciate being followed because I have small kids and I dont know what that persons intentions are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America continues to report an account that I previously disputed.The account number # XXXX shows on my XXXX credit report as a charge off.Bank of America has received the tax benefit of the charge off, yet is still reporting it.A 1099 C means that the debt is distinguished.Some courts have found that it is unfair ( inequitable ) to allow a creditor to belatedly enforce an alleged debt after it has received a tax benefit which makes it unfair to allow the creditor to enforce it's claims against the debtor.Bank of America also took over {$14000.00} from my bank account ending in # XXXX, while the alleged debt was in dispute status.XXXX can not verify this debt, Therefore it should be removed immediately.

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 2023-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This complaint is against the Executive Office of Wells Fargo. The Executive Office with Wells Fargo is a department which is used to seek a resolution agreeable between a Customer and Wells Fargo, when both are not in agreement. 
As I have been transferred throughout many departments within Wells Fargo since XXXX XXXX, due to my Identity Theft which I have been experiencing -- the Executive Office along with their many Executive Office Case Specialists, seem to care less about seeking a Resolution. They are not Customer Oriented, and tend to blame the Customer for everything. They will not take responsibility for any mismanagement of monies. However the record and history of Wells Fargo speaks differently, with their billions paid in Civil Penalties and Restitution. Wells Office should only utilize solution oriented staff in this department. With customers such as myself experiencing endless issues associated with identity theft, there is no time for arrogance, unprofessional behavior, and a nonchalant attitude!!

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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Collection name : Aldous Associates representing XXXX XXXX gym litterally took my account to collection. I signed up for XXXX XXXX for 1 month in 2018 and cancelled my membership thereafter. Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. Please help in removing this erroneous debtor on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Open on XXXX XXXX Amount {$200.00} I called the company and the credit bureaus, and explained to them that I was a victim of identity theft. My roommate stole my information and presented to be me and got multiple credit cards in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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. 

The letters are stated with items and issues. 

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 2023-08-16 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/23 around XXXXXXXX XXXX  CST I got an e-mail from XXXX notifying me of a new account. I logged into my XXXX account and noticed there was a new account opened with Affirm. I did not open an account with Affirm nor did I authorize anyone to do so. I called Affirm at XXXX and reported the fraudulent account. I was told by an Affirm representative that there were XXXX loans opened under Affirm as follows : XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$440.00}, XX/XX/23 XXXX {$320.00}, XX/XX/23 XXXX {$410.00}, XX/XX/23 XXXX {$590.00}. In addition, there is a new address on my credit report that I do not recognize : XXXX XXXX XXXX, TX XXXX. Affirm could not tell me if any of the items purchased were sent to above address as my case is under investigation which can take up to 30 days. They were able to tell me of the purchases include a baby mattress, bookshelf, and a white board. No additional information given. I have filed a police report with my county.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied for Security protection on XX/XX/XXXX o with Synchrony Bank, PAYPAL Cards and credit line, oi=n the computer with an agent due to loss of employment. I upload all documents requested for two accounts. I received three different letters on XX/XX/XXXX and XX/XX/XXXX all requesting more information. All information was proved again with new applications as requested by email and finally USPS mail. I followed up by phone XX/XX/XXXX at XXXX XXXX  I was told there was hyet another note saying the application was not dated. This was false. I requested a review and supervisor. I was put on hold and was to pass through to XXXX who had reviewed the application. XXXX dropped me to her voice mail instead of talking to me. I left a detailed Voice mail and my number which they had, I went online to check the status and all my information was deleted and no longer on the system that showed all the uploads. I have letter showing the claim and copied of faxes and emails. I called today and they said I never filed a claim and I must be current to file. I advised I have not missed a payment, paid for the service and filed by upload on XX/XX/XXXX. He said I was not being truthful. I asked for a supervisor and was hung up on. I had provided all documents to the Office of the Insurance Commissioner who directed me to you.

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 2023-08-17 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: NV

Complaint narrative:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please DELETE the following fraudulent accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )

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 2023-08-16 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: FL

Complaint narrative:
Hi there I sent a dispute out to Equifax round about XXXX pointing out an unlawful Late Payments that were reported by XXXX they are stating that I missed XXXX Months of payments one in XXXX, and XXXX, first off LATE PAYMENTS are illegal to report United States Code 15 1681A ( 2 ) ( i ) says consumer report does not include-report containing information solely as transactions or experiences between the consumer and the person making the report which is me and XXXX, secondly I attached copies of my bank statement showing that they received and accepted payment on the true month my bill was due which I will attach here too which makes them inaccurately reporting info which is not 100 % correct on my consumer report, I havent heard from them and when I checked my Equifax account its saying no disputes in progress maybe you can get to the bottom of this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
excessive overdraw fees

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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest Credit Systems on XX/XX/2022 started report on my credit report. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, my family member sent me {$1000.00}, but when sending, the bank accidentally missed one digit of my account. After about 1-2 weeks, the sending bank corrected this and informed the receiving bank. To this day XX/XX/2023, the sender bank reports that the money has been delivered to the bank, while Capital One Bank says that the money has not been received.

Company response to consumer: Closed with explanation