vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Figure Technologies, Inc
State: TX

Complaint narrative:
I closed and the closing agent they sent me to swears that she provided all documents to the lender. I have tried through my loan officer at XXXX XXXX  to get an answer about what " document '' they say is missing. They have not provided this information even after escalation. I have still not received funds. This is not the first problem I have had. They also repeatedly requested a copy of my photo ID and every time I provided it they would say that I had not. This continued until my loan officer again intervened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to inaccurate reporting. Equifax denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company ( Equifax ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Equifax has not attempted to remove, nor correct any information. I'm requesting that this derogatory removed be removed or corrected immediately as its 's affecting my chances of getting ( house, car, etc. ). Equifax violates my right as a consumer, as well as federal laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am submitting this report to document fraudulent activity on my credit report. I have identified two unauthorized Affirm accounts listed on my XXXX credit report that I do not recognize or have any knowledge of opening. These accounts appeared during the time I was serving in the XXXX XXXX, a period during which I had limited access to my financial records and personal accounts due to my XXXX  duties. 

Additionally, I have been a victim of multiple data breaches, which may have exposed my personal information, potentially leading to these unauthorized accounts being opened in my name. Despite disputing these accounts directly with Affirm, they have remained on my credit report, negatively impacting my financial standing. 

I am seeking assistance in having these fraudulent accounts removed from my credit file and ensuring further unauthorized activity is prevented. This incident has caused undue financial and emotional stress, and I request a thorough investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent out dispute letter on XX/XX/year>XXXX  to TransUnion regarding several discrepancies on my account and I never received an information as a follow up.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I went online and purchased a virtual SIM card to activate a phone and within an hour, I found out that the phone was not eligible. Confirmation XXXX for account # XXXX. so I went to the XXXX XXXX XXXX store on the XXXX of XXXX and they told me that they couldn't do anything. So I called XXXX XXXX XXXX XXXX, and they stated that they would Send me my refund of {$40.00}. So I also went to my online banking citizens account and try to dispute it there and today I was told that services was rendered, and that's why they close my dispute. Services weren't rendered since I couldn't even use the phone. And XXXX today said that they couldn't do anything about starting a refund yet their calls are recorded and the associates stated in XXXX that they would process it. The supervisor told me to go to the store again and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Hi there, I filed a dispute on Equifax due to missing and incorrect information. Equifax did not do its due diligence to follow up with issues I brought forth in a legal and complete manner. I was recently notified that CFPB has filed a lawsuit against Equifax for failing to conduct adequate investigations of disputed information in credit reports. This aligns completely with my current situation. Equifax has not made an attempts to remove, nor correct any information. I am now being hounded with daily calls by debt collectors. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new place to live as I am currently displaced due to the XXXX wildfire evacuations. Equifax violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am trying to close my Huntington business checking account. I tried to close over the phone and online but the only way to close is through going in branch. There is no reason why an account can be opened online or over the phone but can not be closed the same way. It is unethical to have these barriers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint to report an unauthorized hard inquiry on my credit report conducted by Synchrony Bank/Amazon on XX/XX/year>. I did not apply for credit, authorize this inquiry, or give any form of consent for this company to access my credit report. 

I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this matter, as I believe this may be a result of identity theft or a mistake. I have also disputed this inquiry with the credit bureaus and requested its removal. 

This unauthorized inquiry has negatively impacted my credit, and I am requesting assistance from the CFPB to ensure that this matter is resolved and that the unauthorized inquiry is removed promptly. 

Thank you for your time and assistance.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have been utilizing Zelle with my banking institution and I have not received any disclosures regarding my transfers. No security when using their services nor to ensure my information is private base on federal privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I pay my bills on time, I know this for sure. I don't understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XXXX XXXX I booked a round trip flight from XXXX  XXXX flight number # XXXX. I upgraded my seats with this flight. I then cancelled the flight the same day XXXX XXXX. This cancellation was within the XXXX hour cooling off period ( XXXX XXXX ). On XX/XX/XXXX XXXX I contacted Goldman Sachs to dispute the charges on my account for the upgraded seats that I purchased. They then asked for additional documentation which I provided. A dispute was opened for 4 different charges. 2 for {$63.00}, 1 for {$460.00} and 1 for {$430.00}. They still only disputed 3 of the 4 charges. I called XX/XX/XXXX to see status of dispute and spoke with XXXX and tried to get them to open dispute for all for charges but they kept misunderstanding and only disputing 3 of them. XXXX got the documents via chat and confirmed they got the emails and they will reach out. I again got an email that they needed further documentation. I contacted them again on XX/XX/XXXX and spoke with XXXX to find out what is happening and why they closed the dispute and they said that I did not provide the information they needed to continue the dispute. I then told them that I did and am not sure why they closed it and put the charges back on my account. I asked them to again open a dispute for all 4 charges and they did open a dispute again on XXXX again they only did it for 3 of the 4 charges. they also stated that they had all the documentation that they needed. I just contacted them again today XX/XX/XXXX to see why this is taking so long and they are again saying they don't have all the documentation they need, which is false because I verified it with several different reps to make sure it was there. I emailed it to the emailed provided and I also attached the documents in the chat that I had with Goldman Sachs rep. They assured me they had everything they needed I have tried repeatedly to get this resolved but can't seem to get anywhere with anyone at Goldman Sachs. The dispute number that I got back in XX/XX/XXXX is : XXXX. As of now they said I still had to wait for resolution. I know they gave me a provisional credit for the 3 disputes but they are holding up part of the my available credit because of this dispute and lack of resolution and I would like them to get this taken care of. It has been almost 4 months of back and forth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I can not believe I am filing yet another complaint re : a collection company of XXXX XXXX XXXX. Yes, once again XXXX XXXX XXXX is alleging I owe them money on a cell phone. I can not stress the level of anger I'm feeling that this company continues to allow someone/bad actors to continue to use my information ( ssn and possibly email address ) to continue to open accounts. I have asked repeatedly that they flag my SSN or other info with no success. Please let me know what to do to stop this financial harassment. Every few months now I find myself battling this company over the same thing! Please make it stop!

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
My attempt to secure funds for a crucial life event was met with incompetence, indifference, and a cascade of delays, leaving me financially and emotionally drained. 

I initiated a wire transfer on Friday through Discover to XXXX. Due to a human error, I put in the routing number the routing and account number. 

When I inquired on Tuesday, I was initially met with unacceptable delays of 7-10 business days. This unacceptable response forced me to escalate to the recall department.

On Wednesday, I learned from XXXX that the funds had been automatically returned to XXXX XXXX on Friday. However, Discover inexplicably informed me of a 5-7 business day return window. 

When I escalated this to a recall supervisor, she mentioned that the funds might be delayed by the Federal Reserve, with a potential 3-5 business day return timeframe. This information was contradicted by a subsequent wire supervisor who claimed a 2-3 business day return window.

Discover 's customer service has been a nightmare, providing conflicting information and failing to provide basic assistance, such as a valid contact number for XXXX XXXX. 

This entire ordeal has been incredibly time-consuming and incredibly frustrating. I have incurred significant additional expenses due to the delay, including extended hotel stays and the need to reschedule movers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time of the transactions were authorized. However, due to the delayed posting of charges and credits I was unfairly charged overdraft fees. This issue appears consist with recent finding by CFPB, which identified similar practices by Navy Federal Credit Union where transaction settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX creidt reporting agency as well as XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX account number : XXXX, opened on XX/XX/XXXX. This accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 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: NV

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax creidt reporting agency as well as XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX account number : XXXX, opened on XX/XX/XXXX. This accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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