vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: IL

Complaint narrative:
On two separate occasions I have initiated a balance transfer from XXXX to WELLS FARGO to pay off a balance. Both times WELLS FARGO has returned the payment. 
Pursuant to UCC 3-603 ( c ) interest no longer accrues on this debt.

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello On XX/XX/2021 I made a final payment of {$6000.00} to XXXX XXXX finance to settle my debt. In our agreement this would be reported to all of the credit bureaus so that the information could be properly updated and the negative status of charged off, closed as bad debt, and any other incorrect negative status. Could be removed. 

Since that time I have applied for credit cards, auto loans, and even a mortgage with the results being that I am not accepted due to a negative status account on my credit report. One company even directly told me that it is the status of the XXXX account that is hurting my ability to be approved. I have listed the status that is being shown from each bureau which has negatively impacted my life. 

I have a documentation letter stating that this debt has been paid per our agreement and it will be reported properly. 

Parties involved. 
XXXX XXXX XXXX Equifax - XXXX XXXX - Account paid in Full was a Charge-off XXXX - Paid in settlement. {$20000.00} written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a fraud/scam complaint with Regions Bank for {$500.00}. This claim was denied because of lack of documentation. I resubmitted with documentation. The bank denied it again and told me to resubmit the claim again hoping to get a different person to review and approve it. That sounds absolutely bonkers to me. The bank sees me a small nuisance. Im not a large depositor so theyre mistreating me. I have never submitted a claim to them before. They need to help, not kick the cam down the road. Claim # 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 2023-09-12 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: FL

Complaint narrative:
Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of 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 2023-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
On XX/XX/2023, I purchased a puppy from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After deciding which puppy to take home, XXXX XXXX, XXXX of the employees at XXXX XXXX helped me. He said I was approved with XXXX XXXX XXXX and my payment would be roughly XXXX XXXX monthly for 12 months which seemed amazing. I filled out the stores contact and agreed to everything. While agreeing to XXXX XXXX  XXXX  it was something totally different. After I got home I noted the awful news! XXXX XXXX XXXX contract stated I would make payments of XXXX XXXX bi-weekly for 12 months and the interest rate came to 179 %. I got a hold of easy pay finance and stated I agreed to something different at the store, they told me to contact the manager at XXXX XXXX. I quickly contacted the manager XXXX XXXX as he informed me he was not able to help and he lack communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
validation letter, contract with my signature.

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 2023-09-12 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: GA

Complaint narrative:
validation letter, contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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:
validation letter, contract with my signature.

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 2023-09-12 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: LA

Complaint narrative:
It has come to my attention that child support is not supposed to be furnished on consumer reports. It is not derived from a credit transaction, therefore it is illegal and fraudulent

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 2023-09-12 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: FL

Complaint narrative:
For Years beginning in the year XXXX, I had service with XXXX XXXX. I always called in my monthly payment and I was asked each time if I authorized payment. I then closed my storage and account. XXXX XXXX then asked if I would make another payment due to cleaning of unit was in dispute. I said NO you can not have anymore funds and that was the end of conversation and I hung up. Chase Bank then allowed money to be removed from my account. I opened a dispute as unauthorized and was given a temporary refund pending outcome of dispute.Chase then made a ruling in favor of XXXX XXXX. I contested this decision over the Phone with Chase Bank and 3 times now have been told that a copy of my authorization would be sent to my address. I have not received any documents to support their claims that I authorized payment. Each time I call Chase I get the runaround. I have suffered from this financial loss. This is theft and fraud. XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Please Help me get my money back. Thank You. My mother once asked what " Chase '' in Chase Bank stood for and I told her that " Chase is what you will have to do to get your money ''. I was right. Uploaded are Chase account. #. XXXX XXXX lease ( face sheet ). ( Note Could not upload )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from Experian, XXXX and XXXX dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being.

Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ Experian, XXXX, XXXX ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting.

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries.

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law.

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: Self Financial Inc.
State: TX

Complaint narrative:
This company has opened an account in my name / misinformation / inaccurate and no validation and continues to ignore my requests to remove it. 

As of XX/XX/XXXX ; I submitted a request for verification and a certified letter on XX/XX/XXXX ) validation of this acclaimed debt ; and have not received any documents to this date. 

Thank you for your immediate attention. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: RI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-09-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12 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: NY

Complaint narrative:
This complaint is a request for action. 

I want EXPERIAN to remove all the soft inquiries off my report and deny any access for any entities to utilize soft inquiry through EXPERIAN 's information systems. Soft Inquiries are an invasion of privacy when they are being allowed without consumer consent and when the credit report is in security freeze status which mine have been since XXXX XXXX 

Remove : both the XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX and EXPERIAN I want to be provided with an updated report showing removal of the soft inquiries and my FICO credit score from 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 2023-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I wish to stress that I have no association with these creditors, and I did not instigate this inquiry on my credit report. I urgently beseech you to take immediate steps to remove it without any additional delay. I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transition, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold.

Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by XXXX XXXX XXXX XXXX. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX  ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX  ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX  for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have spent the past 3 weeks contacting credit reporting agencies ( XXXX, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold. 
Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by Fair Collections and Outsourcing. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.

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