vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have connected Experian on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. Experian has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual. 

Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted Experian over 5 times within the year XXXX and informed them this information is inaccurate and not me and Experian told me they would remove it. 

XXXX XXXX XXXX is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is reporting multiple times on my credit report. It is reporting as XXXXXXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted Experian and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report. 

XXXX XXXX  In XXXX XXXX has been in a repossession class action lawsuit and I would like this removed off 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened an account on XX/XX/2023 after being given the opportunity to bank with them again after decision overturn from an error on their end. My bank account was opened for XXXX weeks and then my account was randomly blocked and restricted without access for no reason, I called and they gave me the reason that my account is blocked due to my reviewing relationship with the bank. I have not done anything to cause issues with my account nor have I violated any bank policies with my account. Now I have no access to my account and money in it. I attached a letter from the previous complaint I made in XX/XX/2023 with them where they stated I can bank with them without an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

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

Company 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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have received a pre-approval letter from Chase for an XXXX sponsored credit card. I sent in the application, and immediately was notified the approval was good, and the card was sent. A few days after activation, the card didn't work. I received a physical letter from Chase that the account has been closed. They have provided no information about the decision. This is damaging to credit reporting due to opening and closing too many cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company 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 2023-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been a Wells Fargo credit card customer for XXXX years, with a consistent history of timely payments via autopay. Recently, I discovered that my autopay was canceled without my authorization. Upon contacting Wells Fargo, I was told that I had canceled the autopay, which is inaccurate ; I have never interrupted this service. 

Furthermore, when attempting to reinstate autopay, I was restricted from using my XXXX  XXXX XXXX account and was directed to use a Wells Fargo checking account instead. This restriction seems to be a deliberate tactic to coerce customers into using Wells Fargo as their primary banking institution. 

This issue has led to unjust late fees, as the cancellation of autopay was a result of a system error on Wells Fargo 's part, not any action of my own. I am now in the process of closing my accounts and taking my business elsewhere due to this unsatisfactory service and the financial inconvenience it has caused. 

I request a thorough investigation into this matter and appropriate remedial action, including the reversal of any wrongful fees and an assurance that such incidents will not recur.

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 2023-12-04 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
ExperianXXXX have used inaccurate information on the report, list goes as follows. 
XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments.

The Name, as Listed should be only name on report.

Any Other Address Besides Listed, shall be removed.

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 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
On XXXX I logged into my studentaid.gov account and noticed there was incorrect information on my dashboard as well as on the downloaded NSLDS report. I called the Dept of Ed who told me to call my servicer. I explained that Mohela had the correct information on my online Mohela account and that it was the Dept of Ed who had the incorrect information. Dept of Ed said that if the information on my studentaid.gov account and my NSLDS was incorrect it was up to Mohela to provide the correct information to Dept. of Ed. I called Mohela who said they are, in fact, sending correct information about my account to the Dept of Ed but to go ahead a make an online complaint with Mohela. I made the following complaint on XXXX : " Hello, Please send my most recent loan information to the Department of Education. My studentaid.gov account has inaccurate information and requires an update from Mohela regarding my loans. On my studentaid.gov account under " Upcoming Payments '' the Due Date is XX/XX/XXXX. Under " My Activity '' it indicates an IDR Plan Request " In Review '' from XXXX. Also, in my My XXXX  Data its showing a Delinquent Date of XX/XX/XXXX. Again, please send my most recent loan information to the Department of Education so they can update my studentaid.gov account with correct information. '' As of XXXX I had not heard back from Mohela so I sent the exact same complaint again. Its now XXXX and I haven't heard back. Again, my account with Mohela is correct. It indicates that I've been making the correct payments on time and am enrolled in the SAVE program correctly. It is my account with Dept of Ed that is wrong and I believe may be why my loans haven't been forgiven with the one-time IDR account adjustment. I first went into repayment on a SLS loan in XX/XX/XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There is XXXX XXXX account # XXXX show up on my credit report, I asked the credit bureau to verify the debt and send information on how they verified, still no responses. the debt is not mine, i never had a XXXX XXXX account. please help get this item removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX XXXX XXXX XXXX XXXXXXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX me {$1200.00} and {$97.00} and I didnt recognize that transaction because my wallet was got stolen and Chase said thats my authorized transaction and denied my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list this account as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccuracies related to this account. I wish to bring to your attention that you bank, XXXX XXXX, has acknowledged an error in recording the payment for this account and agreed to update and remove the late payment dates and negative status associated with it. I kindly request your prompt attention to this matter and ask that you initiate an investigation into the reported inaccuracies. It is crucial to reflect the corrected information on my credit report to ensure its accuracy and completeness. Account : XXXX  - XXXX XXXX  XXXX Open Date : XX/XX/2019 Balance : {$140.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP
State: GA

Complaint narrative:
At XXXX on XX/XX/23, my car was broken in to and my wallet containing my Ameris Bank Business Debit Card was stolen. The theft was captured on camera and I have the footage. I also have a police report and investigation attesting to the theft. At XXXX on XX/XX/23, my Ameris Bank Business Debit card was used to make a fraudulent transaction of {$670.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX I am enrolled in text alerts from Ameris Bank and I was not notified of this fraudulent transaction via text message. At XXXX on XX/XX/23, my Ameris Bank Business Debit card was used to make a fraudulent transaction of {$1300.00} at XXXX XXXX at XXXX XXXX XXXX Ameris Bank sent me a text alert about this transaction at XXXX and I responded immediately to report this as fraud by XXXX. I have these screenshots. Both transactions total to {$1900.00} of fraudulent activity. On XX/XX/23 at XXXX I called Ameris Bank 's national hotline to freeze this card, report the card as stolen and report these two fraudulent transactions. Ameris Bank conducted an investigation of these transactions and on XX/XX/23, I received a letter informing me that these transactions are not covered by the Electronic Fund Transfer Act and Ameris Bank will not return the {$1900.00}. I believe my maximum consumer liability should be a maximum of {$50.00} according to the Electronic Fund Transfer Act because I notified Ameris Bank within two business days after learning of loss or theft. I also requested copies of the documents Ameris Bank relied on to make their determination on XX/XX/23 but I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I paid off my loan in XX/XX/2023 and it is currently XXXX of XXXX  and every time I call Westlake financial and request a title/ lien release they tell me that they already delivered it to me or they will try to deliver it within a few business days. They say they have mailed it out through the USPS. But in reality they havent because I have confirmed this with the post office, their records show XXXX West Lake Financial mail coming to my address. I live in an apartment complex style mailbox where there is a lock on every box and only the mail driver has access so clearly my mailbox is extra secure as well. I have lost so much money in the past 4 months because I can not sell my truck because of the laziness of West Lake financial. If you go and read the XXXX reviews youll notice thousands of customers dealing with the same issue after paying off their loan. There is clear fraud and negligence happening in the background of their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting 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:
There is XXXX XXXX account # XXXX show up on my credit report, I asked the credit bureau to verify the debt and send information on how they verified, still no responses. the debt is not mine, i never had a XXXX XXXX account. please help get this item removed.

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 2023-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Everything is listed in the image I took below XX/XX/2023 XXXX XXXX ATM withdrawal XX/XX/2023 XXXX XXXX ATM withdrawal I didnt receive any money at all from atm

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 2023-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccuracies related to this account. I wish to bring to your attention that the bank, XXXX XXXX, has acknowledged an error in recording the payment for this account. They have agreed to update and remove the late payment dates and negative status associated with it. I kindly request your prompt attention to this matter and ask that you initiate an investigation into the reported inaccuracies. It is crucial to reflect the corrected information on my credit report to ensure its accuracy and completeness. I have attached documentation from XXXX XXXX confirming their acknowledgment of the error and their commitment to updating the account information accordingly. Account : XXXX  - XXXX XXXX  XXXX Open Date : XX/XX/2019 Balance : {$140.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
It is my right to use the Fair Credit Reporting Act Law to protect my consumer report rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2014 Account # XXXX My consumer rights were violated with incorrect reporting on this account. 

Consumer Law 15 U.S.C. 1681 Sec. 602 A. States my rights to privacy.

15 U.S.C. 1681 Sec. 604 A Sec. 2 : States that the consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) 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 7 years.

15 U.S.C. 1681 s 2 ( A ) ( 1 ) A person SHALL NOT furnish ANT information relating to a consumer, ANY consumer reporting agency if the person KNOWS or has reasonable cause to believe 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