vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was encouraged to sign up for a 0 % credit card from a jewelry store. They promoted 0 % interest and I could choose the payback period. They didn't say one thing about deferred interest fees or that the minimum payment was not adequate to cover the promotional purchase. I thought my monthly payments were being allocated accordingly and that I would not incur any interest fees whatsoever. I put the payments on auto-pay and enrolled in the e-statements. Each month I would receive an email alerting me to the statement and that the payment would be going through. The email does not mention any expiring promotional purchases periods, or deferred interest fees so I had NO IDEA that was a possibility. Further when I called to inquire about the situation after noticing that my balance jumped up almost {$1000.00} - they told me that I would have to call in every month in order to specify the allocation of my payment towards each promotional purchase so that they are paid off in time. I made several purchases, so there would be different amounts with different deadlines, but there is no transparency about that on the statement or in the portal. They do not indicate how much is needed to pay to avoid the deferred interest. They do not specify how much the deferred interest will be. There terms are confusing and buried, to be honest I don't even know where to find them. Let alone the statements do not have transparency around what the promotional periods are and what the fees are if they are not paid off. This is so predatory. The sales staff was not equipped to sell this credit card, having never mentioned any of this at the point of purchase. I did not need to use a credit card and only used it because I was incentivized by the 0 % interest! Now I am paying almost {$1000.00} in fees which they tacked on to the balance due so the fees are gaining interest now as wel!!! This is disgusting.

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 2023-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Walked into XXXX XXXX dealership with preapproved rate for vehicle Loan officer intentionally hid fees, marked up price of vehicle and charged loan for more than vehicle cost. Also increased rate of loan Declined to provide information. 
Forced signing for terms. 
XXXX  when tried to communicate several times! 
Has not reimbursed fees as promised ( XXXX fees to and from dealership ) Dealership bullied process and did not want to answer questions during process. 
Tried to contact Chase Auto Financing several times and they confirmed XXXX  credit apps were open at the same time under my name but then they changed the apr rate without telling me info. 

Called multiple times and never received a response even after requesting supervisor several times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
During our investigation an XXXX employee ( Grant ) reported to us he could see that someone used an " XXXX sounding name '' with the initials XXXX to open up an XXXX XXXX account and use our credit card to purchase items during XXXX and XX/XX/XXXX ranging in price from {$120.00} to {$150.00}. He said that Wells Fargo should have been able to see the same information he could see within about ten minutes, or call XXXX to verify that the charges were not correctly authorized and were not made by us. He was surprised that WF had not done that already since we talked to him on XX/XX/XXXX and we had informed WF of the fraud on XX/XX/XXXX and WF had already denied our claims twice : on XX/XX/XXXX ( received XXXX ) and XX/XX/XXXX ( received XX/XX/XXXX ). Overall they charged about {$2400.00} on our card. 
We reported the fraud as soon as we recognized it, within days, we reviewed our statements going back for other fraud, we filed a police report, we talked with XXXX, we faxed additional information to WF, we set up fraud alerts on the credit agencies and reviewed our credit statements. We did all of this between XX/XX/XXXX and XX/XX/XXXX. In response Well Fargo has sent us the same message : " the charges appear to be valid and authorized by you '' even though we have proven to them ( which is not required by law ) that the charges are obviously invalid and not authorized by us. 
WF has denied our claim three times that the charges were fraudulent even though : an XXXX employee was able to identify the name used to authorize the charges was not our name and the address used to authorize the charges was not our address ; I have asked WF to provide all of the evidence they have used to say we authorized the charges twice and they have refused to proved that evidence ; WF have not admitted to working with XXXX or XXXX or law enforcement on this issue ; WF has not reported to us the address or name used to authorize the purchase or the exact items purchased or the shipping address the items were shipped to ; the law states that it is WF responsibility to prove that we have authorized the charges but they have refused to do so by choosing to blame their customer and are in violation of the law. 
Every time I've reported the fraud, Wells Fargo has only responded by letter saying something like " the charges are valid and appear to be authorized by you. '' They provide no rationale or reasoning for that opinion. The facts are those charges are not authorized by us and Wells Fargo has responded to their failure to notice and stop the fraudulent activity by violating the law and stealing from me, a customer of Wells Fargo since 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 2023-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX is VIOLATING FCRA 605B AND 15 USC 1681C-2. I have submitted the required supporting documents which were police report and theft affidavit and they are STILL REPORTING ONE FRAUDULENT ACCOUNT ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2023, I initiated a XXXX payment to a person/business under the name of XXXX XXXX XXXX email : XXXX through Regions Bank for a purchase of {$77.00} XXXX XXXX stopped all communication after receiving the money. I reached out to Regions to report the fraud. 
As I awaited Regions decision, I searched XXXX and found that the person ( s ) [ XXXX XXXX aka XXXX XXXX aka XXXX XXXXl aka XXXX XXXX aka XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX has been busy for at least XXXX years scamming people. 
I shared the above with Regions and the representative encouraged me to file a complaint and submit for a refund. They denied the refund request stating I authorized the payment. I did authorize the payment under the understanding that the person/company was legitimate. 
My niece did business with the person in the past with no issues so I was clueless to this scam. 
I saw an article recently where there are new requirements for banks to return the monies persons who were scammed through XXXX and like programs. 
Please assist.

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 2023-12-26 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: MD

Complaint narrative:
XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To whom it may concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : The following personal information is incorrect NAME : XXXX XXXX XXXX ALSO KNOWN AS : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX The inquiry was not authorized ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX The following account is not mine ; 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  In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate these items and remove them from my report. I understand that you are required to verify these items with the relevant creditor. Any information that the creditor can not verify should be promptly removed. I am aware that, In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights. 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. 



Thank you for your attention to this matter. 

Yours sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is not comparing my information or investigating this company collections XXXX XXXX  a rental collection agency they update XXXX XXXX balance every 3 days and at this point harassment i can not get hold of anyone and when I do they are rude and will not cooperate. They were sued and transunion was too they hit my credit report right before to ensure they would collect they are abusive and violating fdcpa rules and is causing much stress. the balance as fluxated numerous times in the last week obscured.

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 2023-12-26 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: NV

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Notice of INTENT TO SUE! XXXX, Transunion XXXX XXXX have an XXXX that was Furnished on my Consumer File that has Fraudulent and Inaccurate Status Reporting Private Data shared Without Consent. XXXX { XXXX } Distributed Private information without disclosing the Three Disclosure to Opt out of My Non Public information being shared to an nonaffiliate third party ( XXXX, Transunion and XXXX ) Have this information I demand this XXXX Be Removed Immediately. They have an Experience reporting that the XXXX was Late ( XXXX, XXXX, XXXX and XXXX ) which is Inaccurate and unverifiable Due to XXXX Charge-off status

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 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
THIS DEBT DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-26 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: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 
Who is going to govern these agencies?

By 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. 

XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

Trans Union, XXXX, and XXXX have violated my rights.

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 an 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 or 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 data 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 2023-12-26 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: NJ

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

XXXX XXXX, Experian, and XXXX have violated my rights.

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 an 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 or 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 data 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