vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
Incorrect name
incorrect addresses
FRAUD NOT ME NOT MINE PLEASE REMOVE
Credit bureau reporting 
XXXX XXXX
POTENTIALLY NEGATIVE
Balance
Balance updated XXXX
POTENTIALLY NEGATIVE
Balance
$XX/XX/XXXX
Balance updated
XX/XX/2024 XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024 XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX  Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
Balance
Balance updated
XXXX XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updatedXX/XX/2024
XXXX
LATE PAYMENT
Balance
Balance updated
XXXX XXXX
Balance updated
Collections
XXXX XXXX XXXX
Original creditor
XXXX XXXX XXXX XXXX.
Balance
$XXXX  Balance updated
XX/XX/2024
XXXX XXXX XXXX
Original creditor
XXXX XXXX
Balance
$XXXX
Balance updated
XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is the 2nd time this credit card company was " reviewing my account '' then demanded me to make a big payment or lose my credit line. 

The biggest issue isn't them, its universal default. As we know I had a 30 day late at the beginning of this month. I have made an appeal to the credit bureaus since I was in and out the hospital from end of XXXX to end of XXXX battling XXXX. 

This company was paid a minimum of {$500.00} with many times giving {$1000.00} per month and my minimum payment was {$250.00} I believe. 

They received an alert about what happened with XXXX then all of a sudden is giving me 4 days to come up with {$1700.00} or they will downgrade my credit limit or worse which will affect all the other credit cards I have. 

This is outrageous that I can have a card, never been late on it since XXXX  then now because of the only late I have ever had in 10 years, they want to hurt my business by giving me 4 days to come up with over {$1700.00}, then don't tell me the reason why, or allow me the chance to appeal. I believe that is very unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LJ Ross Associates
State: VA

Complaint narrative:
In XX/XX/year>, I saw that there had been a negative action ( collection ) on my credit report. It was from L J Ross Associates XXXX Inc. collecting on a supposed {$260.00} pass due amount as of XX/XX/year> related to XXXX XXXXXXXX XXXX XXXX There was never any notice that they were collecting it or that it was in collections. The bill of {$260.00} from XXXX XXXXXXXX should never have happened as I had communicated with XXXX XXXX that it was not correct and they said they would backdate the bill, but they did not do so and thus gave me the impression that everything had been corrected. They also said I didn't have to worry about the bill during the time that it was getting disputed and never informed me that it was still overdue and was going to collections. 

After I saw the notice that my credit score had decreased by approximately XXXX points, I contacted XXXX XXXXXXXX who finally corrected the matter and showed that rather instead of having any amount due to them, XXXX XXXXXXXX actually owed me. I informed the three credit report agencies ( XXXX, XXXX and XXXX ) of this and disputed it and they have yet to do anything on the matter. My credit score has still be significantly negatively impacted by this. When I called L J Ross Associates to discuss with them about the collections, they informed me that they no longer have the actual collection and that it is with Washington Gas and would not provide any other information. I asked them about their collections on my credit score but they did not confirm that they are doing anything to revert their collections filing that has severely and adversely impacted my credit score. This should never have happened. There should have been notice provided so that I could contact the appropriate person before the collections was ever filed. Once it has been filed, it does irreparable harm to your credit score even though it is false and untrue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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:
Urgent Request for Reinstatement of Funds. 

I am writing to formally express my serious concerns and profound disappointment regarding the recent handling of fraudulent transactions on my Wells Fargo checking account. 

I promptly reported to Wells Fargo that XXXX unauthorized transactions totaling {$2100.00} had been made from my account. During my initial call, I was assured by your representative that the matter would be resolved, and provisional credits were temporarily applied to my account. However, contrary to these assurances, on XX/XX/XXXX, Wells Fargo reversed these provisional credits, driving my account into a negative balance and significantly impacting my financial stability. My phone and wallet were stolen from me, and as a result, unauthorized transactions were made, stealing funds from my account. 

To substantiate my claim, I submitted a police report detailing the fraud. Despite this, the provisional credits were still revoked, resulting in extreme financial distress as I face pressing bills and essential expenses. 

Moreover, I am deeply troubled by false accusations made in your written communication, claiming that Wells Fargo attempted to contact me and that I failed to respond. This is unequivocally incorrect. I am adamant that no such attempts were made, and it is unjust to base such a critical decision on inaccuracies. 

Given the tangible evidence I have provided and the distress caused by this situation, I urge Wells Fargo to reconsider its stance and restore the disputed amount of {$2100.00} to my account. Swift resolution of this issue is not only a matter of financial necessity but also one of ethical responsibility.

I trust that Wells Fargo will act promptly and justly in this matter, upholding the commitment to customer protection and trust. I look forward to a timely and favorable resolution. 


I will be uploading all supporting documents to prove my claim against the fraudulent transactions on my Wells Fargo account. This will be accessible for everyone to review and to ensure transparency and verification of my case. 


Only after filing my first complaint with the CFPB did someone from Wells Fargo attempt to contact me about my case on XX/XX/XXXX. However, they are now unresponsive and not answering my follow-up communications. I have left XXXX voice mails and called numerous times i have also attached that in my documents

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 2024-05-20 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: DISCOVER BANK
State: PA

Complaint narrative:
In accordance with the fair credit reporting Act Discover Card has violated my rights under 15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may it treat a payment in a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: Wolf River Development Company
State: NV

Complaint narrative:
I needed to get my car fixed and couldn't get a bank loan. Got approved with Crane finance for {$500.00} not realizing they charge an APR of XXXX. I'm paying {$1500.00} in charges. That's XXXX x my loan amount. Should have read my loan agreement better.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: Velocity Portfolio Group
State: AL

Complaint narrative:
Different collection agencies are reaching out about one account. Ive asked for proof and havent received anything.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX AUTO FINANCE account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NC

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.

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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 2024-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Dear Customer Representative, I received a pre-approved letter in mail XX/XX/XXXX from Aspire. I applied for credit and was approved stated no annual fees charged. I was looking over my credit report and noticed I had a late payment due from Aspire do to maintenance fees charged on account, I received an email from Aspire XX/XX/XXXX that my statement was available for viewing and I owed {$25.00}? I looked at my account and saw that XXXX, XXXX, and XXXX I was charged {$5.00} each month for maintenance fees plus interest. This is incorrect because when I received card the PRICING DISCLOSURE STATED : account maintenance fee - {$0.00} annually ( {$0.00} per month ) after the first year. 

XX/XX/XXXX called Aspire XXXX ( XXXX ) XXXX spoke to XXXX and explained that my account should not have any maintenance fee per PRICING DISCLOSURE, she stated that it was changed and I was emailed a copy which I never received? I asked her to email me another copy, she never did. I looked on account app and there was no message about maintenance fee change. I stated that I wanted to close account and have maintenance fee waived since I had no knowledge of charges. She replied that I was still responsible to pay late fees and interest charge which is what I am disputing my account shows I owe {$25.00} if she waves maintenance fee XXXX I still owe {$10.00} plus late fee {$41.00} total {$51.00}. I never have used this card and with the late payment it is negatively impacting my XXXX SCORE. 
Will you please contact Aspire and have all charges removed. 
I have enclosed : Copy of Email # XXXX Pre-approved letter showing XXXX annual fees # XXXX Documents when I received credit card showing Annual Fee XXXX Account maintenance fee XXXX annually ( XXXX per month ) after the first year. 
# XXXX copies of monthly fees XXXX, XXXX, XXXX Credit Card Number : XXXX XXXX XXXX XXXX Thank you for XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-20 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX the XXXX, I was contacted through text messaging about a possible fraud where someone was trying to get {$2000.00} from my XXXX account. Mind you I never had a XXXX account, so I blocked the number. With in 5 minutes I received a call from my bank, it was their number, with the special Ringtone that I use for them. I answered the phone call, and they introduce themselves as a member of TD Bank. They said there was suspicious activity on my account, and a XXXX payment was stopped until I approved it. I said I never made such a payment, and they said they'd put a freeze on the XXXX payment. Meanwhile as I'm looking at my bank info my savings are being transferred into my checking account. I transfer it back, yet it's transferred again. Now I'm realizing that someone is in my account. This " TD Bank associate '' has me Transfer {$500.00} to the XXXX representative to freeze all accounts, until the funds are released the next day, not realizing I was being scammed. I get a hold of TD Bank the next day, to see what's happening, and they informed me that I fell for a scam. They shut my account of nearly 20 years, and have me make a new account, and report it to their fraud department, that then decides I didn't fall for a scam, and I willing paid someone with ALL of my bill money. They're saying there's nothing I can do about it because I have to personally insure my account, they won't do a chargeback, they won't recover my funds, nothing. They said XXXX has less than a 10 % refund rate when it comes to fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024, I deposited a check for {$30000.00} from my client, XXXX XXXX, drawn on her XXXX XXXX XXXXXXXX account ( # XXXX ), into my business account at Chase ( Account # ( XXXX ). Despite receiving confirmation that the funds were debited from the client 's account, Chase placed a XXXX hold on these funds. The hold has caused significant inconvenience, including the failure of scheduled automatic payments and overdraft fees. 
I have repeatedly communicated with Chase, providing all necessary documentation, including proof that the funds have been cleared by XXXX XXXX XXXXXXXX. Despite these efforts, Chase has refused to release the funds or provide a reasonable explanation for the hold. 
Here are the key points of my complaint : The funds were debited from the client 's XXXX XXXX XXXX account on XX/XX/2024, as confirmed by documentation provided by the client. 
Chase placed an unwarranted XXXX hold on these funds, which is excessive and unjustified given the circumstances. 

The delay has caused significant disruption to my business operations, including missed payments and potential damage to my business reputation. 
I have provided Chase with all necessary documentation, yet they have not taken any corrective action. 
Enclosed with this letter are copies of all relevant documents, including : The deposited check and its details. 
Proof of funds being debited from the client 's account. 
Correspondence with Chase, including my letters and their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Credit bureau has taken credit file access from me since last XXXX months. 
Every time I call them they ask me to wait XXXX hours to access my credit file. 

I also sent letters requesting access to my credit file on Experian website but they are not responding. 
Letters sent on XX/XX/XXXX and XX/XX/XXXX with my Driver license and SSN card attached with the letter. 

Every time they say system has an error.

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 2024-05-20 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Started at the beginning of May after the XXXX XXXX XXXX breach. 

XXXX - tried to access my old account with Transunion, website instructed me to request my user information from them via my email. This failed XXXX - followed another instruction on their website to create a new account. Message popped up that there was already an account with Transunion with my email address. 

XXXX ( approx. ) Made several calls to Transunion starting today. Spoke with 4 different agents over the next few days XX/XX/24 - XXXX at Transunion tried to help but it's their website that isn't working She deactivated my 1st account, I created a new account, when I tried to use the new account it changed my password to last XXXX of my social security number. 

XX/XX/24 After several more attempts at calling, I stopped trying out of extreme frustration. 
Today XXXX, XXXX, and XXXX passed me around like a hot potato.

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 2024-05-20 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: LA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief