vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 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'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau ( Experian ) due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.

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 2023-10-28 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: WV

Complaint narrative:
For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX. WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ 120-160 & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX  WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN XXXX XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... .IM XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING XXXX!!! WE ARE TRUE PATRIOTIC AMERICANS!

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 2023-10-28 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: FL

Complaint narrative:
ID theft/account takeover fraud previously reported to police, FTC & XXXX account has XXXX balance, is not charged off and has never been late please delete line from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
My records show I made two payments in XXXX and one in XX/XX/2020. 
The creditor is reporting I was actually late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: DE

Complaint narrative:
per 15 U.S.C Subsection 1611 Truth In Lending Act Requires creditors who deal with customers to make certain written disclosures concerning finance charges and related aspects of credit transactions ( including disclosing an annual percentage rate ) and comply with other mandates, and require advertisements to include certain disclosures. The Act had been amended on numerous occasions, adding requirements for credit cards and open-end credit ; for mortgage credit such as ability to repay standards, appraisal independence, and mortgage servicing ; and others. A number of laws amending and enforced under this Act are listed separately.

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 2023-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX contacted Equifax about not being able to access their website using my user ID and Password. I was advised that Equifax required XXXX  Product Users to purchase XXXX XXXX Search Engine to access Consumers Credit report online. I had attempted to access my credit information due to errors that Equifax had made, inclusive of no credit updates to my report in over a year. I was advised about the need to purchase XXXX XXXX by the Equifax employee I was speaking with. This is an unlawful act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company, and I have a copy of the return receipt and tracking numbers. 

Tracking number for 1st letter : XXXX XXXX Tracking number for 2nd letter : XXXX 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 2023-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I sent the company ( Avant LLC/Web Bank ) a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they did not respond. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. Both letters were delivered to the company and I have a copy of the return receipt and tracking numbers Tracking number for XXXX letter : USPS XXXX Tracking number for XXXX letter : USPS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX my checking account was debited {$260.00} by XXXX XXXX. I called Wells Fargo on XX/XX/XXXX and spoke to a customer service rep named XXXX and explained that this debit was not authorized because I didnt have a signed lease with XXXX XXXX and I didnt have the furniture in my possession and the store had canceled my order on XX/XX/XXXX per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used information from an old account I had in XXXX to debit my account for this {$260.00}. XXXX said he would escalate to fraud department and I would hear something back in XXXX days. 

I received a letter dated XX/XX/XXXX where Wells Fargo claimed they researched my inquiry and denied my claim because the charge was an authorized electronic payment. 

I dont know what research Wells Fargo did but I didnt authorize payment for furniture that I dont have when the furniture was picked out in XX/XX/XXXX. Why when the order was canceled did XXXX XXXX debit my account. Wells Fargo is wrong to do their customer this way. Wells Fargo should have charged this amount back to my checking account. I have tried several times to get XXXX XXXX to offer a refund but they said I have to go pick up the furniture.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
My credit is being messed up again afyer fixing it the last tiem and having loans taken off that were over XXXX XXXX XXXX and I have been XXXX for XXXX XXXX and haven't taken out any loans or been to school during this tiem. I had been forgiven due to XXXX and even the first round of relief I was forgiven as well. Now this new company edfinancial is harassing me and kot helping at all and made up amounts dates etc and refused to send me any information or even tell me how to log in and dispute anything. I've emailed multiple times and give information and proof and done everything asked of me and jow today on a XXXX I get email saying it's back on my transunion repot and only XXXX XXXX XXXX ... ..how is this possible? Even XXXX ago there was a pause on everyone 's XXXX to due to covid so how can I be responsible for any of this or the illegal intrestthey added during this time and never show em anything or speak to meor send me paperwork or proof when I ask for it. I am a XXXX single mother and I have XXXX as well so I don't deserve this run around and off XXXX on again with no answers this company is horrendous and mistreat everyone lies and ruins lives. I want help asap with this and for them to pay for their actions again myself and many others in the same boat. How is this legal? Another company can not without notifying you buy up debt and come after you yet here I am again 2 years later still figing when I wS forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for an XXXX XXXX which advertised {$50.00} cashback after a {$200.00} purchase. I made a {$340.00} purchase soon after receiving my card and did not receive my {$50.00} cashback.

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 2023-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK

Complaint narrative:
On XX/XX/XXXX, I started a relationship with a XXXX  mining company on the website XXXX. I made several contributions during the month of XXXX accumulating funds of {$47000.00}. When I wanted to dispose of them, they began to ask me for more money for it. Since I did not agree to deposit more money, they transferred the funds to the entity called First Horizon Bank?, with its main address in XXXX, Washington State, because they said that it would be easier to manage and transactions that I wanted to carry out. I wanted to make a transfer and a credit card request, but they asked me for the transfer {$2000.00} in expenses. I asked them to deduct the available funds from XXXX and they refused. I have decided to cancel the transfer or do it for smaller amounts but they do not give me access to my account, nor do they assign me the credit card even though it is " approved '' but they do not want to activate it. My first question is whether that entity exists as such and second because they do not allow me to make transfers deducting the expenses of the funds that remain available in the account. I am an XXXX  of the Government of XXXX, I am not involved in money laundering nor is the money going to be dedicated to criminal activities, all this would be declared to the Department of XXXX of my country. I honestly think I've been the victim of a scam and what they're trying to do is get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 XXXX XXXX Date of Inquiry XX/XX/2023.

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 2023-10-28 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023.

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 2023-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Point Digital Finance, Inc.
State: WA

Complaint narrative:
When I requested the investment in my home they undervalued my property so that they will have a greater share of the value of my home later. I believe their was XXXX  involved when my home was appraised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
I attempted to login to my account on XXXX  XXXX XXXX and received a system error. I have been unable to get access to my account since then and an in-progress transfer to my XXXX XXXX  account has not been completed. 

I have had multiple phone calls and email exchanges with Laurel Road. They are unable to provide any estimate of resolution/return of funds or reasons why the account is under review and frozen. Requested ID and XXXX XXXX  statements have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: PA

Complaint narrative:
experian continues to report an account that is far too old to be on my report. 

I've disputed this account twice and they insist it is correct and remains reported. 

XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Terms 36 months Paid Closed XX/XX/XXXX Early termination/obligation satisfied. 
This account is scheduled to continue on record until XX/XX/XXXX. 


I paid the account off in XX/XX/XXXX This was a 36 month loan term not the 123 month loan term Experian is stating Experian can't seem to realize they are off by 10 years on the report. 

I called XXXX XXXX on XX/XX/XXXX and they confirm this account was closed on XX/XX/XXXX not XX/XX/XXXX as reported by Experian. 

Please remove this old account from my 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 2023-10-28 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: MD

Complaint narrative:
My credit is being messed up again afyer fixing it the last tiem and having loans taken off that were over XXXX XXXX XXXX and I have been XXXX for 10 years and haven't taken out any loans or been to school during this tiem. I had been forgiven due to XXXX and even the first round of relief I was forgiven as well. Now this new company edfinancial is harassing me and kot helping at all and made up amounts dates etc and refused to send me any information or even tell me how to log in and dispute anything. I've emailed multiple times and give information and proof and done everything asked of me and jow today on a Sunday I get email saying it's back on my transunion repot and only XXXX XXXX XXXX ... ..how is this possible? Even XXXX ago there was a pause on everyone 's payme to due to covid so how can I be responsible for any of this or the illegal intrestthey added during this time and never show em anything or speak to meor send me paperwork or proof when I ask for it. I am a XXXX single mother and I have XXXX as well so I don't deserve this run around and off XXXX on again with no answers this company is horrendous and mistreat everyone lies and ruins lives. I want help asap with this and for them to pay for their actions again myself and many others in the same boat. How is this legal? Another company can not without notifying you buy up debt and come after you yet here I am again 2 years later still figing when I wS forgiven

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I am a victim of identify theft and this has impacted my credit score.

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 2023-10-28 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting an account transaction on my credit report that I have no knowledge of. I have never done any business with the company and have never provided any written consent for the company to utilize my personal and financial information. The companies actions have hindered my access to credit and has affected my household finances. 

TRANS UNION is supposed to have reasonable procedures in place to make sure I am never affected by these unauthorized practices. My credit report is never supposed to be compromised.

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 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received an offer directly through the Bank of America website when I logged in about a promotional offer for a business checking account. The offer stated that you has to open an a business account before XX/XX/23 and deposit {$30000.00} in the account within 30 days and maintain that amount for an additional 60 days. After that point you will receive {$1000.00} cash bonus. I called Bank of America around XX/XX/23 to verify the offer and ensure Im eligible. I was told I was and proceeded to open the account on XX/XX/23. 

I met my account requirements on XX/XX/23 but now Bank of America is stating that they cant find the offer and the offer code provided in the application didnt match what Im stating. I provided proof directly from the online Bank of America site. 

I feel like bank of Americas actions are deceiving 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 monetary relief
Consumer complaint received 2023-10-30 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reach out to transunion and received no response, The accounts listed below are not my accounts Im asking for removal. 
XXXX # XXXX {$560.00} XXXX. acct # XXXX {$960.00}

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