vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an issue with the investigation of the dispute that I submitted with the CRA about the inaccuracy of information they are housing on my credit report and also the investigation in the their reporting and verifying information using the E Oscar system and verified inaccurate information. I disputed a late payments and the company investigation returned the dispute as verified which is inaccurate. I also contacted the company that reported the alleged late payment because when I disputed the late payment it came back as verified, and XXXX XXXX said that they did not verify that late payment with the CRA because it is in fact incorrect information and when I reached back out to Experian about the late payments a representative told me there was a glitch in their system because they have XXXX payment already posted as paid which is also incorrect. 
Rights has been violated USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted by Bounce AI , Inc. in an email with the message " Avoid a negative credit rating by enrolling in a payment plan for your {$1500.00} XXXX XXXX XXXX XXXX debt ''. I have not granted Bounce AI , Inc. any permissible purpose per 15 U.S.C. 1681 ( b ) ( 2 ) to furnish any consumer report and have not been made aware that they were party to any contract I was involved in.

I have included documents to show Per 15 U.S.C. 1692j that Bounce AI , Inc. has furnished certain deceptive forms to convince me that an alleged original creditor was attempting to collect a debt.

Bounce AI , Inc. has transmitted communications with my personal information in violation of the XXXX Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In 2021 I declared a XXXX  XXXX to get this debt off of my credit report as it belongs to my ex-husband who was awarded the property in a divorce settlement. For a short time, it was removed from my credit reports, but it has now reappeared since their association with Mr. Cooper, a bogus predatory lender like as Rushmore. This needs to come off my credit at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREENSKY OPERATIONS, LLC
State: AL

Complaint narrative:
I am requesting a 1099c for this account. The creditor has charged this account off, but it is a negative charge on my credit report. Also, I want a XXXX bureau request to delete this charge off. 


Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status XXXX Days Late Account Details Account status Derogatory Type Unsecured Responsibility Contractually liable Remarks Profit and loss write-off Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been and still are being denied a proper investigation into an denied credit card payment. The bank says they will not investigate any more and can not find the names and bank addresses i listed. I'm requesting that all complaints be read thoroughly and you will see i have infact been very thorough with names and dates concerning each and every incident. The bank is making these claims so as to not have to claim the severity of there actions. They are taking one complaint out of context and not citing the many many other complaints as a whole. They are clearly making this government oversight agency out to be a joke and it's scary to say the least. They are not, and have not, taken any of my allegations of, denial of handicapped access, discrimination, refusal of services, personal retaliation and so much more seriously.

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 2024-12-25 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
I called and closed my account on XX/XX/XXXX after they mishandled a fraudulent charge on my account. They tried to refuse my consumer protection for the false charges. They have since acknowledge they have records of my request to close the account but don't know why it wasn't close... 

I thought all was good until I received a bill for the annual fee in XXXX. 

I have since contacted them several time and escalated the situation to get them to close the account and waive the fee they should have never charged me. 

In my most recent call, on XX/XX/XXXX. I escalated to supervisor XXXX employee ID XXXX Who advised that they are not able to waive annual fees and they could not waive the late fees until a payment was made to bring the account current. 

I again explain with her own verification, based on their system notes, the account should have been closed a year ago and the fee never assessed. But she again stated " she could not waive the fee '' and understood my next step was to follow up with regulatory authorities which did not seem to phase her. 

I just received a letter the account is closed by my request but the unpaid balance The {$49.00} fee is still due...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I discovered that there were several charges from XXXX XXXX XXXX last XXXX which was not justified. Having reported these erroneous charges to the vendor and Bank of America. The Bank of America customer service agent from the credit card dispute team falsely promised that they will do a chargeback but in reality, they did do that, resulting in financial loss for me.

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 2024-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I checked my credit report to find an account in collections from XXXX XXXX. This account was originated in the XXXX area XXXX I have never lived in either areas. The reporting agency Diversified Adjustment said the account was opened in XXXX and then put into collections in XXXX. I have been XXXX since XX/XX/year>. There is no way I could have opened this account if I was XXXX XXXX. I tried disputing through XXXX but they took less than XXXX hrs to investigate and there was no change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing regarding the above-referenced account. Please note that I am not disputing this account. XXXX  XXXX XXXX Account number XXXX. 
Recent balance {$33000.00} as of XX/XX/year>2024 However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account. 
The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NC

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> TU XXXX  XX/XX/year>XXXX XXXX 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 of 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> EXP XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX5 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 of 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 explanation
Consumer complaint received 2024-12-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is again Charging erroneous overdraft fees, changing policy without notice or consent, I was advised by bank they do not have to notify me or let me know just post on a website that I can not access and the policy change is legal!, arranging transactions inaccurately so that overdraft fees are imposed, no response form executive team that is supposed to be looking into this since the Associatess agreed with me the fees are not legit or could not answer to their validity, lack of transaction information available for consumers o track transactions and avoid these fees which are a great and advantageous revenue source for big banks and stock holders, big banks are stealing form their clients!

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I had a {$15.00} credit posted to my account XX/XX/XXXX - no charges since then and today the credit on my account disappeared and they are not giving me a reason for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: OR

Complaint narrative:
My score recently has dropped a XXXX points, please make sure my score reflects accurately. I was nearing a XXXX XXXX thank 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a homeowner 's assistance program for my home equity line of credit account ending in XXXX back in XX/XX/year> with fifth third bank. The customer service rep was supposed to send me an application for that account, but she sent me an application for my first mortgage account instead. I then contacted the bank once I realized the application was for the wrong account and was sent another application for the correct account ending in XXXX. I completed the application and forwarded it back to fifth third. 
I was approved for the hardship assistance program and made my 3 trial payments. During the application process the bank was not supposed to report any delinquencies on my loan to the credit reporting agencies during the application approval process or my entry into a trial period plan but they did report that I was120 days late for these months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. This has greatly impacted my credit score severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently received a phone call from a representative at wells fargo escalation department from a very rude and unhelpful person by the name of XXXX XXXX. I was frustrated and upset. I also have a sever XXXX  that limits my interaction with people. She had no patience and was very condescending towards me. She advised me that my complaint was not valid and would not be handled. It would be responded to and closed. No investigation. No nothing. Apparently she doesn't have a care in the world for the bank she works for or the government wich oversees it. Nice to know that these institutions can do what ever they want with no regards to the very people that keep it stuffed full of money.

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